Card issuers are one part of the payment system. They certainly are a beneficiary of interchange. As we have established, it flows to them, but we have other constituencies here in the merchants and the acquirers, and if the interchange rates aren't set with those perspectives in mind, what we'd find is an imbalance in the system.
I've spent a lot of time with issuers and a lot of time with merchants and acquirers. If you set rates just from an issuing perspective, you might set them too high to meet short-term profit objectives, and then you'd reduce the merchant value proposition and you wouldn't be able to expand acceptance. At the end of the day, we think that the output from the network would be reduced.