Obviously we're not going to get into assumptions as to why they're doing that, but thank you for clarifying it for me.
If it's cost recovery and we're hearing the merchants worrying about their costs increasing and consumers will ultimately see these costs, what do we tell consumers? What are we telling them about the work we're doing right now, where we're hearing more and more people saying, or more and more organizations are going to be saying, that their costs are going to be going up?
Right now, we all know that we're in a downturn. What do we tell them when corporations like...I'm trying to do some math here. You're saying you're getting approximately 2¢ or just under 2¢ per transaction for about four billion transactions?