Just to elaborate on that point, when we look at the transaction cost, there is the per-transaction cost, but there are also other costs associated with transactions. For instance, if you refund a transaction, are the fees refunded? Often acquirers don't refund the fees. PayPal does refund the fees.
Probably one of the biggest issues, and also one reason that a lot of larger retailers like PayPal as well, is that if our fraud rates are at least half that, they can lower their fraud costs. So at the end of the month, when you look at your costs, between credit card processing, any other monthly fees, and fraud losses, for your full end-to-end costs against your sales, there are significant savings beyond just the per-transaction fee.
Whatever your rate is, I think is a little bit of window dressing, if you don't know the variable costs of which basic cards and premium cards and how many cards you're actually going to process. The reality is that most credit cards in Canada have some sort of premium loyalty linked to them. I don't know the exact distribution—