That's assuming we're only looking at the card mix for a given month. Generally, we're looking at a trailing 3-month period -- and if a user wants to email us every three months to ask if we can lower their rates, we welcome them to do so.

We've certainly thought about how we can be more open with our pricing, as Patrick mentioned, and for customers that want details about why their rate is the way it is, we'll definitely dial-in to the details. We optimize for simplicity though, as we know that many of our users don't want to read an excel spreadsheet detailing the variety of charges we incur from card networks and other parties, which factor into their overall rate. Many of our users have chosen Stripe because we abstract away all the complexity involving pricing.