I'm running out of time, and I know I'll get some more time later, but with regard to our current study, how do you envision...? Can you give us some details?
I've gone through the rewards programs on credit cards. It is a dog's breakfast, and there's the thought that the rewards process.... They like to present it as free, but it actually comes with obligations that might even be corporate secrets among the credit card companies and the businesses that they're doing those rewards programs for. How do you evaluate or estimate that as you try to figure out how truly competitive the credit card industry is?