I'd just like to add that it depends on the industry. Different sectors are going to have different margins and are going to behave differently. Their competitive environment is probably going to be somewhat different, and in tough times a merchant doesn't want to lose any business. So I would say, even though definitely some portion flows through to the consumer—and they have done some studies in the U.S. in which they quantified this, while we haven't done so yet here and perhaps need to—that the merchant often will eat some of it, simply because they want to keep that customer.
It's tough to come up with a nice, easy number; I don't think it's easy to do. But there's no doubt some gets passed on, and I would not be at all surprised if a considerable amount were being absorbed by the merchants because they don't want to lose the business.