We believe that we need to look at things like surcharging. I agree, most of our members are not going to want to surcharge, and I understand that. The point behind the idea of allowing the surcharging is that it gives power back into their hands. We know in other international examples around the world that, where they have allowed surcharging, small businesses rarely use it, but it gives the power back to the merchant to at least push back a little on the credit card companies, in terms of what they're doing.
I think the “honour-all-cards” rule is another one that needs to be eliminated, because then they can say no to certain cards.
I think consumers are more and more aware of that, especially independent businesses. We do see a lot of empathy for those independent small businesses among consumers now too. They don't take out their premium cards.