Yes, it was two points.
One of them is.... I know Mr. Dorey is a very fair guy, but he said briefly that the 1.4% would be lowered to 0.95%. It most certainly will not be, as an average across the portfolio. I'd be surprised if it even got to 1.35%.
It will be lowered to 0.95% for in-store transactions for some relatively small businesses that are numerous but ultimately generate perhaps 10% to 15% of all retail sales in Canada.
You need to understand that, if you view it as a consumer issue and don't paint it into a corner as a small business issue, when those people are shopping, as somebody indicated earlier, at a grocery store or a larger gas station or whatever it will be, they will not be benefiting from that. It won't lower the average overall.