That's right. But this way, at least you're only charging those people who choose to use maybe a premium credit card. That's where we would like to see it.
Most of our members who would surcharge.... Frankly, as I said, we believe that the vast majority are not going to do it. It's really about the power piece of it. But if someone pulls out a card that you know is going to cost you 4%, and you know they have a card that would only cost you 1.5%, you might say, “If you want to use that card, I'm going to have to charge you the 4% fee.” It's about bringing some of the power in the relationship back to the merchants, so that they can control their own costs in a better way.
Right now, they can't control those costs. Even the Competition Bureau agreed that these are probably anti-competitive behaviours and took these companies to the tribunal. We're awaiting the decision on whether the tribunal agrees. But this is part of the reason we think these rules need to be looked at.