I honestly think the critical thing is transparency and a clear understanding upfront. There has been none. These things arrived on the market, and I can guarantee that everybody in this room has one in their wallet. There was no transparency upfront with anybody. That's number one.
Let's be really clear. In the grocery industry, with the competitive margins, there is no way to pass on these additional fees. You eat them. There is no room there. The debit card has to stay at cents per transaction. It has to stay there. If you move to a percentage, you will knock a ton of small businesses out of the market, and not just grocers. You'll knock a ton out of the market.