Thank you very much.
Thank you for your very clear presentations this afternoon. I appreciate the time you've taken to present to this joint committee.
I have a series of questions I'd like to go through, so brevity would be asked, if you don't mind, just because there's such a lengthy list of questions.
I'm going to start with the credit card side of life and ask a couple of questions. Did you have any influence on the interchange fees at all? When Visa and MasterCard were making changes to the interchange fees--I think I know the answer, but I want to hear it from you--did you have any influence?