He made the comment that there's nothing new. That alleviates a lot of the concerns in this stock.

That's making the 60 cents (a share earnings) look a lot softer. We're not too concerned about it. But if you want to call this a hit, it's not the best hit we've ever seen.

MasterCard's going to become more competitive and focused on growing its bottom line rather than protecting the association,

It was a great quarter and the stock rallied hard on that,

You're starting to see a little bit of a relief rally.

It's those incremental time savings that these merchants are looking for. They may lose sales if the lines are too long.