Thank you, Mr. Chair.
My questions will be for the executive director of Fintechs, the association representing, at least in the case of this study, the processors.
Just so everyone who's watching is clear here, when somebody uses their credit card in a physical store, a retail store, they don't know, in most cases, because it's only seen by the business, that there's somewhere between a 1.5% to 3% additional charge on the total value of that credit card that is charged to the business. Is that correct?