my name is nick nicoli. i work for veriphone. i wanted to add my two cents.i think that probably changing the program midstream is not a good idea. there are a bunch of other things that you guys need to think of. to some of these other points, the transactions and installation, how you got the equipment in the car, we have been part of many rfp's and i have not seen one of them change midstream from one percentage to another. another thing, overpayments could have been added to this. but they're not. maybe vetting this, taking a step back would be a good idea. thank you for your time. >> next speaker, please. >> jim templeton. >> thank you, folks. i started driving a cab in 1973. i have spent 35 years in the industry without dealing with credit cards. i made it as a cabdriver. i do not make any more now. i probably make less now that we take credit cards. here is the reason why. i have got credit cards. the credit-card companies what the merchant to bear the cost of these things. i have got a gold card and an american express card. as far as i am concerned,