The Canadian Bankers Association doesn't see that the Canadian Federation of Independent Business, the Retail Council of Canada, the Canadian Restaurant and Foodservices Association and retail outlets, all of these organizations see a concern with many of the practices, and so we can understand where they're coming from when they are concerned about mobile payments, because it's the one extra layer.
As I said on Tuesday, I believe, if we put on one more fee, it is like the straw that broke the camel's back. It is important for the CBA to recognize that this isn't just me standing here saying there is an issue. We have the RCC, the CFIB. Are they going to be looking at this, or are we waiting for regulation to come from the government to fix this?