I appreciate you posting this. I hope you are correct and SFOR can get in on a portion of those fees! I still would like to confirm those 2.3% and 2.7% and the $0.10 are actually going to Clover/FirstData, and those are not the interchange and merchant discount fees to which I was alluding. I think this Fundera website is lumping them all together. It is possible that I am absolutely wrong, but those are exactly along the lines of the interchange and merchant discount fees that I am familiar with. Don't take my word for it. Someone should ask Mr Kay at the meeting. Transparency is really important.