Yes. Thank you.
We lowered the taxes for small businesses. We also increased the bracket to allow more small businesses to qualify for some of the tax benefits we've had. I think this is certainly making a difference.
Again, the fact that we'll be lowering credit card fees for both Visa and Mastercard means that credit card users and certainly small businesses will be saving close to a billion dollars over five years. These are real savings. That change will take effect this fall.