Thank you.
I want to jump a little bit to the question of liability and some of the fees we've been hearing about. I was interested to notice, in following the collapse--I believe it was in April--of Conquest Vacations, that they talked about unrealistic and unreasonable demands by credit card processing companies being one of the determining factors. There was also a piece in the Globe and Mail about credit card processors making them hold on to $900 million. I think there was some resolution of that. I'm not sure.
Could you talk to that point of having to have this cash in reserve and then companies coming out saying these things?