Okay, but it's a process that happens; it's ongoing. I appreciate that.
Do I understand from your submission that there are two reviews going on, one on the credit side and one on the debit side? Are you able to actually separate them out? I know there's the issue of merchant fees on the one, but are we concerned that what they can do on one side will affect whether they're able to be in the debit market and vice versa?
Can you answer that question for me?