Yes. With respect to merchants, under the code of conduct, there are specific requirements at the time they negotiate with their payment processors about the information that's available so that the merchants can compare processors to other processors with equivalent levels of information. Then payment processors have to provide information to merchants on a monthly basis, and the details of that information are codified in the code of conduct.
Then, following that, if ever there is an increase in fees or, for instance, a fee that is not reduced, that has to be passed on to the merchant as well. The code of conduct—