That's very helpful.
Can you table with us the cost of those fees?
Here's what I'm trying to get at in terms of the economy and productivity, at least for me: What's the value of transitioning money from the person who is actually purchasing something with the payment to somebody else? It seems to me that we have, in-between, a lot of different factors that are skimming profits and, quite frankly, being parasites on the economy and productivity.
I represent workers who have to get up every single day and are often charged with not being productive enough in what they have to do. At the same time, we have financial transaction processes that don't really seem to be offering a lot of value, but are costing a lot percentage-wise, and they don't have the same accountability.