Okay. I thought those were two interesting questions.
This is an agreement between businesses. I think it's a challenge to all of us when you're talking about a business-to-business agreement, so I'm going to ask you a couple of questions about the business-to-business agreement itself.
I'm going to use Visa as an example because I know they have a multi-tiered rate on their new interchange rates. I understand their interchange rates had changed approximately a year ago. Did they advise you that they were changing their interchange to a tiered level, and did they give you a rationale for that?