It really depends, obviously, on the rates they are able to negotiate, but in addition to that, of course, is the cost of setting up the systems. No, I don't have any exact numbers of what that could look like, but certainly we know when premium cards were introduced into the marketplace in 2008, most of the calls—and we had hundreds of them coming in—were telling us that their costs had increased by 25% to 30% overnight, within one month. So this is a substantial issue for smaller firms, whose profit margins tend to be fairly thin to start with. That's why there is the concern now that a new form of payment coming into the marketplace may again cause these increases, which they've hopefully been able to stabilize over the last few years.
However, part of the issue has become that these fees are often not that transparent, so it's not always clear from month to month how much you're going to be paying, given all the different types of fees, which I won't get into here today. That can add up for a small business. But, relatively speaking, small businesses pay more for these types of transactions than larger businesses do simply because of sheer volume. So, again, it's a higher cost on smaller firms than on larger firms.