On that point, Mr. O'Connell, I appreciate that. You are in many respects governed by and have worked with credit unions and the banks. They're also being competed with on the credit side by the MasterCards and Visas of this world. They of course have an advantage on the credit side, which you simply do not have on the credit side, and that's the issue of priority routing. In that kind of scenario, given that you are currently governed by banks that may be enticed, induced, interested, or entreated by higher rewards or higher incentives, how do you find you're going to be able to compete when priority routing leaves you literally out of the loop?
On June 16th, 2009. See this statement in context.