well, thanks, but I don't care who's getting the money. The banks, the processors, the CEO of Visa's grandmother..... doesn't matter. I'm more interested in the things that affect the way I'll be doing business. This is without question, going to have a massive impact on things. Who actually gets the money from the fees isn't all that important. Right now I need as much of a big picture of all this as I can get so that we can make some decisions on what to do.