the small tacoria. if it is less than 3%, when the competitor might be well over 10%, you know -- >> it makes pressure effect sense. i think that is where the future is going. the ability to just say, hey, it's me, i'm here three times a week, and a transaction happens in the air, and everybody is happy with that transaction, i think that's where the money is going to be, but, again, i go back to is visa -- and i hate to pick on visa, but are the big guys so big that they can't come down and beat you? >> i don't -- again, i can't speak for what they are intending to do and what the issues are that they might be dealing with. all i know is we can process very, very small transactions, for merchants and consumers with a much more effective interchange rate and still be profitable. >> i mean, it's right there as a risk. and they can potentially do it. >> on any of these things, we have competition from a number of angles, right? people watch us, what are we doing, how are we doing it. >> especially in mobi