I have a couple of comments on the potential of the debit card. I'm going to ask CPA as well as you.
One of the concerns I have on the debit cards with Visa and MasterCard entering into the debit card system is the potential of this points accumulation. We've already talked about that significantly on the credit card side and the costs that are now being borne by merchants and, potentially, ultimately the consumer. Do you share that same kind of concern on that side?
The other concern I have is that currently the interchange rate on debit cards is set at zero. If it were moved to a potential interchange fee versus a flat fee, could you comment on both of those? I'd ask CPA to comment as well.