I think that brings in a whole level of interest that this committee will want to look a little closer at.
Mr. Baumgartner, in connection with the priority routing and the new point-of-sale machines, with the advent of chip cards and the probability of their being pervasive in the next few years, how likely is it that a merchant will be able to refuse to use the new priority routing machines? You said earlier that they have the option of not having them—for instance, Maestro. But given where we're going with these cards, is it not likely that saying no would also mean putting yourself out of business?