There's a bit of a double-edged sword that exists for small businesses that are looking to access the global marketplace because, yes, certainly that gives them potential access to far more customers, but it also forces them to compete with those much larger retailers that are able to negotiate better rates; that are able to negotiate better shipping rates; that are able to get, compared to small business, a more preferential rate all across the board just because of the volume they are dealing with.
For a small business also, with the “honour-all-cards” rule, you don't necessarily know when someone swipes that card what kind of fee you're going to be paying at the end of the day, and there are many different fees that you wouldn't think would be charged. If you go to a restaurant and you pay by credit card, then the tip gets a fee attached to it, and the HST gets a fee attached to it. So for things that have to be remitted to the government or by law have to be remitted to employees, such as their tips, the merchant is also going to be paying 2%, 3%, or 4% on that fee, which is absolutely incredible.
You talked about the code of conduct earlier. Do you find that it's effective right now the way it is, or do you think it needs improvements?