But isn't it the case that the merchants—at least in my riding I keep hearing this—have to accept the premium cards? They frequently claim that they don't know what the actual rates are. You say that they're given paper on that, but certainly the information I receive from small business is extreme frustration.
Like my colleagues, I don't even use my premium card in small businesses because I realize that I'm punishing them to do so.
Ms. Hall Findlay used the expression—I thought very accurately—of utility, that's what these mobile payments are ultimately becoming. Doesn't that suggest to you that the industry needs government regulation like other utilities, to make sure that there's a level playing field for merchants and consumers?