we're talking to steven dennis from roll call.o today you have the durbin proposal and the court proposal. >> senator durbin wants to bring it down to 12 cents. what's the other proposal? >> the corporate tester plan keeps getting revised. the latest revision. initially they wanted to delay the rules a couple of years and water it down significantly. that had a lot of initial opposition seen as a way to kill it altogether. this one they say is more of a compromise even though none of the retailers agree with that. if this one delays any implementation for about a implementation for about a year, and it also gives the banks a lot more flexibility when they go to the regulators and say, hey, we need to justify a higher charge, you know? something closer to the 44 cents instead of the 12 cents. if the tester amendment passes, they'll be able to include a lot more expenses to justify a higher rate. and all kinds of overhead expenses that they can say, hey, well, we need to leverage this fee in order to pay all this overhead. and durbi