Sure. On the consumer side, there are some situations that I'm not sure how consumers could address, even if they chose to, especially on the payment side. When you are security conscious or privacy conscious and you go online and the only choice is a credit card where you have to give up that info, it's an issue for many consumers. Actually, just to let you know how big a loss this represents in the U.S., in 2009 it was a $20 billion loss because people were not comfortable checking out when the only available payment method was by credit card.
That's almost equal to all the e-commerce in Canada. So it's a serious problem, and in Canada it's worse because there are only credit cards, in general, and banks are not allowing other payment options to be used. It's that simple. For example, we are a Canadian company, six years plus in operation, and we don't have a single merchant or customer in Canada. It's all U.S.-based. We can't get on the network.
So it's structural, and for consumers, when they go to check out, I'm not sure how they would resolve these issues.
On the business side, again, the core issue—there are two issues here. There's the cost of doing business in Canada. It's very expensive, both on the payment side and on the shipping side. The shipping side could be resolved. Canada Post is making an effort. They have set up a subsidiary that actually does channel some sales back and forth between the U.S. and Canada, but on the payment side there's not much happening.