I'll jump back to what I was talking about in relation to the premium cards. I guess I would like your best guess on this. Did the problem start--and I'm sure there are more than a few--when we started to see an influx of premium cards in the market? There are unsolicited campaigns out there to get these premium cards to people all over, and they can't even return them. If you have a Visa Classic, for example, and they give you the Infinite, but you want to go back to your Classic, you don't get a credit card. So people take them. Is that when this problem started? Did we start to see the increase in interchange fees--use Giant Tiger as an example--when they started bringing out these premium cards?
