Thank you.
In fact, I want to echo a comment that Catherine made a bit earlier on to Ms. Coady's excellent question.
The problem is that for merchants, not only are they dealing with this interchange fee that Visa and MasterCard have published, but they are also dealing with an assessment fee. They're dealing with a foreign card fee and then some of the processors, the acquirers. We really hope—this is where I'm getting to Catherine's comment—that this committee urges the different players in the supply chain to appear before this committee. There are a lot of processors that are also taking advantage of small businesses by adding even more charges, which end up on a bill where you're showing a 3.35% interchange. It's not an interchange fee; it's a discount merchant rate.