Visa and MasterCard, although MasterCard a while ago, five years ago.... Visa is newly public. It has shed its association status. It is aggressively penetrating many markets around the world. With 3.6 billion transactions, it's an attractive piece of business. When you layer on other things like chip technology, with Canada moving to chip, it required a wholesale infrastructure change out to the terminals and it enabled somewhat the ability for multiple applications to more easily sit on the same card. The terminals were being updated anyway, so they could come in. And as you've heard from testimony, they sent the acquirers to make sure those terminals are all set up to accept their transactions.
So it was the confluence of factors that really is a perfect storm with respect to.... They have tried to get into this market before, but both in their own internal capability and in addition to some of the market imperatives, they're here. They are active. There are cards in market, there are transactions in market, and they're actively trying to take my customers and members away from me.