As I was trying to describe, Moneris, for example.... However, I don't mean to single them out, so let's just talk about the traditional payment incumbents. They don't build these software products, so they don't have the same challenge of trying to figure out how to build their software products and the payment functionality together. They have a different business model, which I'm sure works for them. We're trying to provide simplicity and predictability, where businesses can together purchase as a bundle....
Again, I want to emphasize this point. With regard to the absolute dollars involved, we're talking about.... I don't know if you're familiar with the term “basis point”; a basis point is a hundredth of a per cent. The amounts in question are about two basis points or thereabouts.
Whatever we do would be a minuscule change.