Thank you very much.
I want to follow up on the conversation that we had about rates. I recognize that both you and the agency said that there is no data available because those rates are proprietary. I think it's interesting, though, that Emerson actually addresses this in his report. There's a recommendation around the methodology that the agency uses when setting its rates. It's interesting to me that nobody really has an opinion on the difference between the commercial rate and what the agency is setting.
I will ask you to comment on the further recommendation that the agency be permitted to set interswitching rates annually to better reflect actual costs, and not only when the regulations are reviewed and published. What are your thoughts on that recommendation?