Shift4 benefits from scale economies through its value-added services, which allow it to charge higher fees.

For example, there is the NASA administrator. He founded a company. It's called Shift4. So the ticker symbol is FOUR. They have the point-of-sale terminal. There are tools. So it's different industries, different terminals, and they have those value-added services.

Because if, let's say, you are a restaurant, you don't need just the terminal. You need to have the whole consumer management software, which is provided, because as soon as the sale is made, you have the software where everything is integrated together.

It makes things quicker for you, and you're willing to pay more for that.

If, for example, someone is just giving you the point-of-sale terminal, you pay 2%. Someone else gives you the whole stack of software you need, you pay 4%, because it brings more sales to you.

If someone can use that software to reserve for customers, bookings, everything happening—scale economies.

And as we talked about Shift4, they have these value-added services.