That was definitely one main factor. I also believe, though, that both Visa and MasterCard became publicly traded companies back a couple of years ago. I believe there's just more of an appetite for more revenue, which is also driving this. There were increases in a lot of these interchange fees even before the premium cards, and then the premium cards added to that.
There are a couple of quick statistics I want to cite. There was a U.S. study done in 2006 that showed that only 13% of interchange fees went towards the cost of processing. About half went towards all these perks. It just speaks to the fact that somebody has to be paying for this. That's the real issue.
One thing we'd like to direct to government is that the government uses a lot of premium cards too. How much is it costing government? I mentioned earlier that academic institutions are stopping accepting them. Governments also use them a lot.