Certainly. There is no doubt that the concern is there. If they're going to start collecting points on their debit cards, I'm not going to get any more consumers than I currently have. I'm not going to gain anybody. I'm going to change that regular debit card for a points card that's going to cost me more as a merchant and that may cost the consumer because they're going to have a card or a fee to pay for as well. I don't benefit as a merchant in any way, shape or form. I can't see any benefits to it.
Again, I'm stating that the system currently works the way it is. As for why they would want to change it, it's just going to have an impact on me and 3,800 of my colleagues all over Canada, and we're not ready. We can't deal with that.