So that is information that you do not currently possess.
My next question is also for both of you, Ms. Ferri and Mr. Siromani.
We know that the costliest credit cards for merchants are the ones with the most generous reward programs. Logically, they are often held by people who are financially better off.
Since merchants charge all customers the same fees for the same purchase, would you agree that people with fewer means are indirectly subsidizing the wealthiest reward programs?