Certainly. When I was mentioning confusion, Ms. Coady, I think I was mentioning the fact that I personally have seen a number of billing statements that these merchants do receive. I have to say that they're very complex and very difficult to understand. So perhaps one of the issues, when we're talking about transparency and disclosure, is, boy, let's try to make it a little easier for them.
Perhaps some of the other members here can comment as well, but we don't seem to have the same numbers, shall we say, that the merchant community does with respect to the impact of, in particular, the implementation of premium cards.
To go back to something my colleague said previously, people might have in their wallets a gold card of some kind. It may not actually attract the additional interchange fee. It may not be a true premium card. When we looked at this whole premium card issue, we collectively looked at the entire industry. We think that represents about 9%. It's not the same sort of number that we're dealing with in terms of the merchant community.
I don't know if others have other items to add to that.
We don't have the same statistics, shall we say.