Thank you very much, Mr. MacMullin, and Mr. Andrews.
We have about six minutes left, and with the indulgence of the committee, I want to ask one question to clear up some testimony about the cost to merchants for payments.
Mr. MacMullin, you mentioned that someone can sign up for a PayPal account.... I'm taking that as meaning that a customer can sign up for a PayPal account and do that at no cost. What does it cost a merchant to sign up for a PayPal account?