Again I would say if you look at other jurisdictions where the same credit card companies provide the tap-and-go service, they've managed to bring credit card rates down to 0.3% of transactions or 0.5% of transactions.
I guess what we would say is openness and transparency are critical. We haven't, quite frankly, seen it from the credit card companies. They should justify why they can't do it in Canada. They can do it in other places in the world; why can't they do it in Canada? That's a question we've put to them, to which we haven't received an answer.