On the 70% statistic, I suspect it's possible that there are merchants out there who see that kind of concentration. Clearly, merchants who decide to set up shop on the Internet are able to do so because of the billions of dollars of investments that have been made in the card networks...so a high concentration of their business because of a high concentration of value.
If we look at other segments, like the quick service restaurant category, fast food, our penetration of that business is 2.7%. But we've heard publicly from McDonald's, as an example, that they like to accept cards because consumers spend more and they move quicker at the point of transaction.
It's difficult for us to respond to any particular merchant who expresses an appetite to accept or not accept cards. But our experience is that we have different penetration levels and different value propositions by the merchant segment, and that's reflected in the products that we bring to market and the interchange rate structures we've discussed.