Thank you for that link. Respectfully, I am aware of all of that information. I do not see anything that contradicts anything from my previous post. I still believe FirstData sells or leases merchants their point of sale device, in this case a Clover station, and that is where FirstData's involvement ends. The card holding customer that buys a soda at that merchant's store, their issuing bank, and the merchant's acquiring bank have no interaction with FirstData, other than the fact a Clover station is being used to facilitate the sending of data. I think this is definitely a question for Mark Kay, but I do not think I am wrong in this scenario. My belief is based on the fact the major issuers, acquirers, and networks were sued a few years ago surrounding interchange fees and merchant discount fees. They ended up shelling out a lot of money. If FirstData had been any part of that fee environment, they would have been named as Defendants as well. But they were not. Trust me, if those attorneys thought they could get any money out of FirstData, they would have tried. I just don't believe that is how FirstData makes money, and therefore not how SFOR is going to make money.