You are absolutely correct about the competitive situation. Because of the strength of the large players in Canada, there really isn't any centre where there isn't some form of competition within driving distance, except in the case of some very remote communities. You don't pass those costs on to the consumer.
In some of the northern communities that you're talking about, somebody might pay, for example, as high as 7¢ a transaction on a debit card, whereas the corporate rate might be 1¢ or even less than 1¢. That's the strength of negotiating power.
Let's get back to the certainty. That grocer has figured out how to compete despite the 7¢ per transaction he is paying, but if you go to a percentage transaction, those stores won't be there anymore. That was our point earlier.