In reply to Dinesh katyal.

Dinesh, I enjoyed your response to the article and that your description has a much higher probability of expanding in the foreseeable future. I believe the graduated flat charge will eventually lead to the way to more consumer acceptance (routine volume) with more merchants just because of the predictability for the merchants. Don't you think the banks adopting the flat charge will be more attractive than the obstructionists? Remember, the switching costs and ease of switching institutions is not as difficult as it once was. I'd appreciate your thoughts. Thanks