While I can't comment specifically on the ongoing pricing deliberations within the restructuring project, I can say that our history is based on a simple transparent flat fee, switch fee, and we will respect that legacy. I think it's important to note, with respect to previous testimony, that there are switch fees and often around the world--even with my U.S. card counterparts--those are flat fees. But there are other fees. I believe there are eight in the United States, other fees and assessments, that can have different characteristics. Then there's interchange, which is almost uniformly ad valorem.
We have one simple fee and it's a flat fee.