I have one minute now, and one of the things I tried to bring up in the last session was charities. We've talked a lot about retailers. As a former executive director of the United Way in Sudbury, I've often seen the goodwill of someone giving us $100 and then losing a portion of that to pay the fees.
CanadaHelps has brought here that it has gone from 1.6% in 2003 to 2.1% in 2009. They're having a hard time understanding why credit card companies must extract increasing annual profit from the goodwill donations of Canadians.
Do you have any comments on that?