There are estimates from accounting firms that it's about $160 million, so this change seems to benefit the government. That will grow, obviously, as transactions and value grow. That HST component that the government gets will grow. That's the beauty of the GST for the government; it grows as the economy grows. As those transactions grow, that number of $160 million will grow.
That change gets made. Then we have a situation that says that they're going to do this announcement that they're going to lower the processing fees for credit cards. A lot of your members aren't agreeing to pass it on. It doesn't seem clear that anyone will pass it on.
Is that correct, except for the ones who have already committed to the government, which is about four or five companies and most of them aren't your members?