I was a home-based female entrepreneur merchant 20 years ago, before I could use credit cards online. The time it took me to collect from many of my clients, and the NSF cheques I received, made the company go into receivership, quite frankly. So I look at the actual value of collections and surety of payment.
Also you've all seen the issue that happened with large U.S. retailers over the holidays. Compared with the U.S., as we look at Canada, we see that we've collectively invested in chip technology, and we have a much safer, more secure, environment. The U.S. retailers right now need to invest in their own encryption technology, so as not to lose data. That's a horrendous cost. As I look at the smaller retailers there, I see they are asking to pay more for mobile and more for wallet, and that's not what you're hearing in Canada, which I think bears witness to the fact that Canada does have a balanced, leading, electronic commerce infrastructure.