I think you make a very good point. As you know, there's no question that all of us enjoy accumulating our points and using our points. But I think we need to understand that if I go in with a card that is that expensive because I'm accumulating points, David and Terrance, who are not using that card, are in fact paying for the privilege of my using that card. So it puts upward pressure on prices for everyone.
That is of great concern to merchants because, as you know, they have very thin margins. And it's of concern to us at a time when the currency is very strong, because cross-border shopping it makes even more difficult for merchants to be competitive in Canada.