Thank you very much, Mr. O'Connell, for appearing before us today and bringing your viewpoints to the table. We certainly appreciate it.
These are going to be rapid-fire questions, because I only have five minutes, so forgive me for asking a lot of questions in a brief period of time. I want to start by following up on a couple of themes that are going here, just for clarity.
You currently have the opportunity to levy interchange fees, but you will not do so, correct? You currently have the opportunity to levy interchange fees, but you do not. You use a switch fee instead.