Thank you, Mr. Chair, and thank you all for being here today.
Perhaps you could give just a quick answer, Ms. Anderson. I don't want to seem unsympathetic, because I'm a small retailer...well, I'm in the retail business myself, but I'm always puzzled about why, in the particular case of credit cards, that isn't passed on to the consumer. It's a cost of doing business. Like any chain of events, if people had their goods delivered by trucks and suddenly somebody wanted to use the pony, if it was more expensive it would be passed on to the consumer.
Why isn't this passed on to the consumer?