In terms of facilitating access, I think among the major issues you have is the issue that the infrastructure is so concentrated, and there is so much legal uncertainty that it is probably not very attractive for foreign acquirers, for instance, to come into this market. Those are issues that should be looked at.
In terms of looking at the interchange fee issue, maybe one can always dream that the retailers, the issuers, and the networks could sit down and come to an agreement--maybe. But I strongly suspect that if you want this to happen, you had better have a threat that if they can't agree, someone will agree for them.