Richard Durbin actually said...

the complexity of categories, and the multiple fee levels within those categories, frequently serves to 'downgrade' transactions into higher...

I do not think that MasterCard and Visa and member banks should just give us credit cards or allow us to accept them for free.

So is there any other part of your store, other than this dealing with the credit cards, where you face this dearth of competition?

I support your views, as in your colloquy with Senator Nelson, that there should be a carve-out for EBT programs.