Well, I can only imagine the lobbying of the bank industry about that. I would ask that it perhaps be revisited. I don't know of a store that I can go into now, especially a small or medium-sized business, that feels comfortable with the rate they have to pay for transaction fees and also the amount they have to cover.
During the start of the pandemic, I worked really hard to push for lower interest rates, and some were better than others, but borrowing rates that have been historically low are back up again. Even though they're only going up a little bit right now, they're definitely out of line and they're actually a windfall.
Do you have any idea of when that study took place? Have you ever considered a line of credit as well? Those are products that.... You know, the BDC historically has been known as the bank of last resort. It would seem to me that those two items are are highly popular among small and medium-sized businesses that also do not enjoy competition among the banks right now. It's almost similar to the oil and gas industry, with very few margin differences among them.