Thank you for your question, Mr. Garon.
As you said, that is kind of why, every year, for several years, we have hammered home the need to limit credit card transaction fees to 0.5%. We believe that any higher percentage makes no sense and we want to see a rate of 0.5%. Australia, which is comparable in size to Canada, has had a rate of 0.5% for a number of years. As we said earlier, lower-income people should obviously not be paying for higher-income people who accumulate points with their credit cards. The important thing for us is the 0.5%.