That would be great, but it would take the whole concept of entrepreneurship out of the marketplace. There has to be some modicum of equilibrium. Can we charge an enhanced fee for this credit card? Sure, but if you take it to François' store, he needs to know it's going to be there. There has to be some range of fairness.
I want to come back to a point I made in my testimony. These things are not discretionary by retailers; these are absolutes. You must carry these things. You cannot train your front-end staff to accept this card and not another one. If this committee does nothing else but recommend transparency in credit fees to the merchant, that will be huge.