(L-R) Chris Callahan, co-owner of Battenkill Books, Bill Sheedy, senior advisor to the CEO at Visa, Linda Kirkpatrick, President of the Americas at Mastercard, Roger Alford, law professor at Notre Dame University, and Doug Kantor, general counsel at the National Association of Convenience Stores, are sworn in a the Senate Judiciary Committee hearing entitled "Breaking the Visa-Mastercard Duopoly: Bringing Competition and Lower Fees to the Credit Card System" on Capitol Hill in Washington, DC, on November 19, 2024. (Photo by ROBERTO SCHMIDT / AFP) (Photo by ROBERTO SCHMIDT/AFP via Getty Images)