So you are correct in your first assertion that even under the association model, interchange is currently set at zero. Under the consent order, a majority vote of the board could change that rate, but I think that underscores that we're going through this restructuring, because it isn't about interchange. It's about an organization that has been frozen in time for 15 years, in a model that has proven around the world to be slow and ponderous.
That gets to your second point, and I would challenge the assertion that under our governance structure we actually have the ability to respond in a timely fashion to a very quickly changing marketplace--and you have heard through testimony how fast this marketplace is changing--with respect to the required investment that the organization needs and in raising those funds. I think that's what we are trying to do here. We are trying to get an independently governed organization that has the ability to raise organic capital pools to invest in the business as it sees fit and in a manner that is not taking five board meetings to decide whether we are going to respond to a certain market event, and that allows outcomes to be dictated by competition and not any other factors.