As you said, the new way of dealing directly with the bank would significantly reduce interchange fees. Isn't it counterintuitive for a company like yours to see its sales drop significantly, or do you think this is a market with incredible potential where you can get even more customers and therefore do more business?
Do you want to see costs to go down? At this point, you can't even bring costs down when the government asks you to. Would a new way of doing things potentially mean much less revenue for you?