Okay, but we know your business is highly profitable, offering credit to your customers, so you must be making money on the fees and the interest rate that you're charging for offering credit. We know that. I mean, that's common sense. I don't think anyone here would disagree that the banks are making considerable money from offering credit card services to their clients.
People have said that it's an expensive business. I'm trying to understand the cost structure and how you're involved in setting those interchange fees. If you both run a payment processor and are the issuer of the credit card—and we know that you're running a highly profitable business—why are you guys hiding from the very fees that you're setting for the consumer? Just be clear and consistent about it.
Mr. Siromani, I'm going back to you. I would like to ask all the witnesses, but I'm limited in my time, so I'm going back to you.