Thank you very much.
Mr. Chair, I'll answer the question this way. I don't think there's an awareness among the consumers our members collectively serve of the different costs associated with the various payment methods, and I certainly don't think they recognize the increase in costs.
I think there is nowhere for all of these costs to go but into the cost of the products. They are definitely affecting the merchant community, but from a grocery perspective, if I can use the example of our industry, there is no doubt, given the margins we have—and I think it would be similar in restaurants and in many small business—that they go directly to the shelf and into the cost of the products.
So there's no awareness, and there's nowhere for them to go but into the cost of the products.