creating interest in the last month is a provision requiring the federal reserve to look into and -ppossibly said lower rates at normal retailers pay to the issuers of debit card banks and credit unions. this is a provision that was not in the house bill. the interchange issue. what is your position on this? wherr are house republicans on the interchange issue? >> there are problems with the basic setup and interchange fees. one problem is the companies say if you use us, you cannot use someone else. one of the main problems is retailers can say on the minimum transaction, i lose money on that. i think a retailer on to say, if you want to use your credit or debit card, it will cost me 20 cents. i can say no to a $2 or $3 transaction. i 3 -- i think retailers ought to have more rights in that regard. there re big problems on the cost in this provision and how you calculate it. i think everyone agrees that thereeare real problems with it. interchange fees.s with%- there are the dimon gripes the retailers have. i hope we will adddess that in this bill. >> let's wrap it up. >> i will bring it ba