It's a fair question. I think the challenge is in the level of complexity and what can be achieved over nearly 30 million cardholders and 700,000 merchant locations. We have corporate cards that companies carry, we have cards that government employees carry, small businesses, Infinite cards, and core credit products. How many flavours of options could you provide at the point of sale without confusing the consumer?
In our experience--and we've been at this for quite some time--the Visa brand means acceptance, it means utility, and we feel that it's important that credit card holders, all flavours, know that they can use their card when they shop at the point of sale. If we were to go more granular within the credit category, it would confuse the consumer and result in our not being competitive with MasterCard, American Express, and other forms of payment.