Peter Roskam actually said...

So when these things are manipulated--and I know that is a characterization, but I will characterize it as a manipulation--when they are man...

In a siloed payment system, there is no accountability.

It is a selective admission process. And their argument is, look, this shows that the system isn't being abused and so forth.

That is unsustainable, and that, I think, is one of the factors that is driving part of our challenge today.