If it's all right, I'd like to add one element to my colleague's answer.
I agree with Tim that when we look at costs, it misses the benefits. I also think that if we look back historically in Canada over the last 20 or 30 years, we see that most major retailers invested in their own store card programs. They issued their own credit programs because they knew that was how their consumers wanted to do transactions.
What has happened over the last couple of decades is that the cost and responsibility associated with administering those programs has moved to the banks. The banks are running those more effectively; they have lowered the costs associated with those card programs and are taking on the credit risks. And that is the cycle we're entering into now. It's a true cost that allows the merchants to invest their capital where it's more productive for them, and that's in the business of retailing.