I think there are a couple of things going on in Australia that have to be differentiated here. First of all, their capping of fees I believe has been very effective, and has resulted in supporting small businesses in that country. The issue that has really been controversial is the surcharging. Consumers have been detrimentally impacted in that case. Some retailers have been charging more than what their actual credit card fees are, taking advantage of that, and making it a profit centre.
In that regard, as I said, it hasn't been a benefit to consumers, and that's not something here in Canada that our associations, with Small Business Matters, have ever been a proponent of. We are proposing, or asking, that a cap on credit card fees be put in place, but we are not asking for surcharging.