The premium cards—and I'm sorry for time—the CFIB would seem to suggest if their members' data is accurate, that the premium cards are very unpopular precisely because (a), the fees are so much higher, and (b), they don't know. Usually when the banks come, they say it's not their fault, it's the acquirer's, but isn't it true that the TD says on its website that they are both an issuer and an acquirer, RBC and BMO say they're parent companies of Moneris?
There seems to be a lack of responsibility, where the banks say the problem's with the acquirers, but the banks own the acquirers in some cases, and we have a bit of a mess as far as small businesses are concerned. There's nowhere to go.