The second key aspect of the bill is that MasterCard and Visa credit and debit card networks have been designated off the bat for an initial pricing standard. Now, that makes sure that we get to one of the challenging issues that's in the system straight off the bat, and we're doing that by regulating the interchange fees that they can charge, which are a big part of merchant service fees. So that will be something that, immediately it comes into effect, people will see the change. 