Thank you very much, everyone, for coming here today.
I have a few questions, so we'll move to Joyce Reynolds from Restaurants Canada.
You talked about business tax. On the one hand, I understand that people want their taxes to be as low as possible, but there are so many other issues in our country that need to be addressed, and we have to try to balance these out. Often, many of these demands are costly. For example, with child poverty, there's Canada's child benefit, which is expensive. It's a major program. It's probably the largest expansion of the social safety net in living memory for many people. That's my comment on some of your testimony.
Have you ever thought about working with the convenience stores people? They've also been here previously, complaining about the high cost of credit cards and the rates. Have you considered looking at setting up your own co-operative using technology today, in order to create, not a regulatory framework but a competition in the market? You could actually challenge Visa and Mastercard and other major credit card companies—I believe those are really the only two. You could use the weight of your, I think, 29,000 members and combine it with the convenience stores—27,000—and all of a sudden you would have a very large group of people who could be working together.