Absolutely. As I said, I think that mobile technologies as well as digital technologies have been great for small businesses because they have given them an avenue to the world and to customers, putting them almost on par with larger competitors. On the Internet everyone is sort of equal in some respects.
So I think that has really been important. When it comes to the payment side of things, we believe strongly that we should push for more new technologies, one of them being a better way to do business-to-business transactions electronically, which doesn't exist in this country yet. Well, it exists, but at a high price.
So I think we want to encourage companies to continue to grow and expand into new technologies that are obviously going to benefit small business, but we have to make sure that.... It's an interesting industry in that the credit card companies' market or people they're trying to cater to are really the banks. It's not the merchants and it's the consumers because the credit card companies are trying to get the banks to distribute their credit cards. So they become the people they're trying to attract to their product, not so much the merchants.
So the merchants almost become a secondary off-shoot and end up having to just accept the conditions the credit card companies are imposing on them. It's a bit of a skewed industry that way. So we would love to see new models out there that are going to compete with that and we would encourage that more and more, and we're hopeful that by looking at some of these new options that are out there, we can allow the same rules to be applied to new entrants and even the playing field a little more, so that it isn't so dominated by MasterCard and Visa and American Express and Discover and all those others.
I don't know if I answered your question.