There are 2.4 million merchants in Canada, to use Mr. Blouin's figure. There are only 600,000 who accept MasterCard; 75% don't accept MasterCard, which means that, yes, you can run a viable business without accepting MasterCard.
There is a difference between need to accept and want to accept, because of the benefits that come with the proposition. For restauranteurs there is a particular benefit in that people aren't restricted to the cash they have on hand and they tend to spend more, and that sort of thing. There are hotel chains that use credit cards to make the reservation to cover their risk on letting somebody in a room before they've actually paid, and steer them to debit.
So I think the necessity has to be separated from the desire. And of course we want more merchants to desire to accept our propositions. And our job is to work every day to figure out how to balance the system of economics so they're attracted to it, together with the value proposition represented by innovation and that sort of thing as well.