We always knew when the code of conduct was introduced in 2010 that it would be a document that needed to be updated constantly. We do think it's in need of updating today, including adding some provisions around mobile payments, on which there have been some good consultations done and some good ideas, but we have yet to hear when that's going to be added to the code of conduct. We also believe we should have the “honour-all-cards” rule eliminated, as you mentioned. We also believe businesses should have the ability to surcharge up to the amount of the actual fee that they're paying.
Those are some of the additions we'd like to see made. We'd also like see a little more clarity around some of the activities of some of the players in the industry and the way they harass some of the small business owners in getting them to sign onto what we sometimes see as being fairly unethical types of contracts. And we believe there needs to be a dispute resolution process in place.
These are some of the areas in which we'd like to see some improvements in the code of conduct.