Yes. Our pie chart on page 10 shows the number who believe that the federal government expanding an approach.... By the way, we're not necessarily recommending regulation. We wonder if a proper process to just have a reporting relationship.... It doesn't have to be regulation per se. We're not saying that's necessarily the way to go. We do think we have to properly understand what's going on here. We believe the credit card companies and others have gone out of their way to confuse what's going on here. We're starting to get to the bottom of it, which is good, and we're understanding a lot more. They're not very comfortable with that, which speaks volumes to me. The federal government did include this proviso about consumers in the last budget, and we really felt that we wanted to expand that to merchants.
We did, however, also ask our members--and it doesn't happen to be in this presentation, but we can get it to you--virtually the same question we asked the general public, which is shown on page 11, and the responses were virtually identical.
So, yes, you're right, our constituencies are not typically ones that say “regulate, regulate” for anybody. Back in the early nineties, some of you may recall, we actually put out a call regarding chartered banks because small and medium-sized firms were being treated very badly. By the way, to their credit, they're not doing as much of the same bad stuff this recession. We actually asked the industry committee to have the banks come before them on a regular basis and--you know what?--just that requirement meant better data, better understanding of what they were doing, and better practices by the banks.
There don't necessarily have to be hard and fast rules.