I would say that you've highlighted an interesting point, which is that there certainly is no free lunch, right? These points do come at a cost, and the cost is typically on retailers.
I note that the credit card companies have recently given merchants the right to add a surcharge. It's convenient for the credit card companies to do that. They created the problem in the first place, and now they're saying to merchants, “Well, you be the bad person if you want to recoup some of those costs from your customers.” Again, I would just make the argument that if they can do it in other jurisdictions, why can't they do it in Canada? It's not good enough to simply say that we should speak to the credit card companies. We have tried, but some of the information they're supposed to provide to government they haven't provided to date, so we believe the government needs to step in.
I think the one positive benefit of the government and Minister Morneau reviewing this file is that hopefully it'll bring some further transparency to this file. Again, if it can't be done in Canada, explain why it can't.