Again, it could be in our future plans. We will take into account the feedback we hear in the market in determining future interchange rate changes.
What I would point out is that the system already delivers significant benefits to small merchants, in that it creates what we like to refer to as a level playing field. So a small merchant who sells $500 a year on Visa products attracts the same interchange rate as most of the major merchants in the country do. It's one of the benefits of our system that small merchants are able to realize.