Anything that supports our consumers to pay less—and we've all seen it, I think. I'll give you an example. When I was purchasing an air ticket to go back home to visit my family in Korea, I tried to use an American Express and the travel agent basically said, "Oh, that's going to incur a certain amount of percentage extra than what you pay." And I thought that's ridiculous; that was a ridiculous amount of money that I had to pay for the whole family to travel. But if you give me Visa it will be a slightly lower percentage. So I went for the slightly lesser percentage surcharge to actually get a cheaper deal.