We really haven't had much interaction with the credit card companies, period. Through the Small Business Matters coalition, of which we are members, we have reached out to them to get information. We haven't really had much of what I would call a receptive audience. I know there are some organizations out there that have gone and negotiated. We know these fees cost businesses a lot. The Competition Bureau has looked at this issue and put a number of $5 billion on it.
We want to know why the credit card companies can't bring these rates down. In fact, under the code of conduct, they made specific commitments to doing an audit and releasing the results of that audit. We haven't seen any of that evidence. It's natural to ask if they are simply skating around the rules. If they are, then we have to ask what the government can do, because this is definitely a concern.