Again, the interchange fees are not set by us. They are set by the networks. It is commercially sensitive information, as all of us have said, to divulge the full revenues associated with credit cards.
If you're trying to understand the model better, we get fees and interest income. Against that, we have a variety of costs, including fraud losses, processing fees, network fees, Apple Pay transaction fees, the cost of benefits, IT and infrastructure costs, customer support and the innovation costs that we have to bear.