Something we haven't even touched on yet is that there is also the introduction of different kinds of transactions--qualified transactions, non-qualified transactions--and they attract different charges. A qualified transaction typically is one where the customer is standing in front of you, swipes the card, the card is physically present and so on. We've actually heard of semi-qualified transactions. Anyway, it's another layer of confusion being laid on here.
To give you an example, a business card, like a corporate card, would be a non-qualified transaction. An Internet transaction.... We mentioned earlier that you can't use cash on the Internet. That's one thing we know we need some kind of plastic for. Of course, an Internet or even a phone transaction is viewed as non-qualified. It does make sense because there's more likelihood of fraud. The person is not physically standing in front of you with a card.
I just wanted to mention that we haven't even touched on the different transaction types that are also proliferating.