I do. You're quite right. Credit card processing fees have come down for the first time ever. They did drop. We were pleased to see that. Actions were taken by the previous government to help make that happen.
Has it gone far enough? No, absolutely not. The code of conduct is working. It put some new ground rules in place, so we're very pleased with the code and how it's being enforced. That seems to be very good.
What seems to be missing, though, is that additional downward pressure on rates. With credit card processing fees, again, it's been about a 10 basis-point reduction, a 10% reduction at most, but we had seen a 40% increase in credit card processing fees in the previous several years.
We would encourage the new federal government to give this file another look. I wouldn't say, right now, that it's the most burning issue among our members, but it is an important one and it does erode the amount that the business can hang onto to pay their staff, pay their bills, and grow their businesses. It remains an important issue.