Mr. Bradley, you mentioned earlier that your transaction numbers are quite low. To me, the question is what is the number for the actual merchant? We certainly have a concern in this country, or we've seen merchants being concerned, about fees going up on credit cards--the cards that offer the consumers a variety of “pluses”, let's say. That's a concern by itself. If it becomes a concern to the extent that we're not having e-commerce businesses locate and thrive here, that's a problem.
What do you say?