To differentiate between the different fees in the statements.
I don't want to speak for the witnesses to come, but my sense is that what they will say is a higher rate is charged for premium cards, and the reasons for that--there are probably many reasons, but two of the reasons would be that there are higher benefits for consumers, in terms of points or whatever, but there are also benefits with respect to the security. Added security measures are provided, and these are a good thing for merchants; they know the transaction is more secure.
Would Madam Brisebois or anyone else want to respond to that?