I'll start by saying that I think there has already been some questioning in prior discussions about the relationship between the merchant and the acquirers. I'm not going to go over that ground. You've covered that.
As you mentioned, there are a number of competitors in that market. A couple of them are related to banks; several are not. There's a lot of competition and there's new competition entering the market all the time.
To your question about the authority, the power of merchants, the ability of merchants to negotiate, the code of conduct that was created by the government gives merchants additional rights and clarity around pricing, the exact point you're talking about. They get clear pricing information and they get the right to opt out of contracts if prices go up. That was given to them in the code. It's enforced through the FCAC and the commissioner's guidance that has come out around these measures.