Visa

1634.575 - 1660.212 David Rosenthal

And they're like, okay, the time is right. Let's do credit cards. Let's go to Fresno. But hopefully, as we painted the picture, their motivation and Diners Club and Amex and even the merchants and retailers motivations are very different. B of A wants two things out of this. One, like we were saying earlier, they want to streamline and simplify all their wildly diverse lending programs.