 But there are a lot of small dollar value purchases that are made where the credit card itself or the purchase card acts as the contract vehicle as well, not just the method of payment. That the SmartPay card can also be just the method of payment for larger contracts. And the government gets a good rebate on those purchases. So it goes back to the agencies themselves. And so it's an efficient way of managing government dollars. And what is the small business challenge then in this context?