The evidence will show that Visa and MasterCard refused to play by the rules of fair competition, rules which are the foundation of our American system of free enterprise.

We did not play as well as I had hoped. But the competition was strong and we know what we have to do to get back to our early season form.

If the Justice Department's case fails, all payments -- not just plastic payments -- but recurring payments, utilities, everything, will be taxed by a cartel known by two names: Visa and MasterCard.

The rules of the game remain stacked against the competition.

Mark plays by his own rules. As downtown was faced with competition from the suburbs, Mark has hung in there. He's transformed his business using modern tools. He has a real entrepreneurial spirit.

The 'Honor All Cards' policy says if you're a retailer and you take my credit card, then you have to take my debit card. Then whatever new product I come out with, you're forced to take all of these additional cards. It's a classic tying arrangement. Visa and MasterCard have attempted to monopolize the debit card market, and one of the ways is through these tying arrangements.