Visa

3927.612 - 3948.126 Ben Gilbert

And you basically want it to happen as fast as possible. So maybe if you only allow, you know, 20% of the banks in America or 20% of the banks in a state to be members of this thing, eventually they could sort of bootstrap the whole network. But it takes a lot of time to go door to door to door to door. And maybe that particular merchant doesn't want to take on a second banking relationship.