There will always be some people/companies who are pushing the rules to their max, and then sometimes break them - this will also happende with the new VISA rules... so we will probably have even more strict rules in april 2004.
IMHO - If we as an industry could get the total % of VISA and Mastercard transactions down, and introduce more/new billing options, then I think we will stand much more strong next time VISA/Mastercard decied to change the rules. We have been keeping to much of our processing in the VISA/Mastercard basket - time to spread the risk, and make more money in the process
