It's simple math that if I came in with a premium card, you'd be charged 2.5%. But you don't know who has a premium card and who doesn't. That's really the bottom line as to why you can't give that discount. I could be using my regular card, which, by the way, I suddenly heard this week from my bank is down to 6.5%. Very interesting. Anyway, you can't tell, and it makes it difficult for you to do that.
Another question, and I don't mean to be rude, but some of you from the retail group have your own cards. I'm assuming there are members of your organization, Canadian Tire or others, who have their own cards. Do you internally charge your own transaction fee? How does that work?
Secondly, we heard from you last year when the dollar was above par. We were talking about prices and you said government should get out of your way, and who were we to tell you about pricing. Now you're asking us to get involved here. It's a little bit tricky that on one hand you don't want us involved, but on another hand you do. I'd appreciate a comment on that.