By accepting cards, there are a lot of benefits to merchants, whether it's the fast guaranteed payment, not having to do a store credit, the ability to accept credit without worrying about the credit worthiness of customers, increased sales, or expanded markets online, etc. Merchants get a variety of benefits.
On the other hand, like I said in my opening remarks, we have value, choice and convenience for the customer. We provide a variety of choice for our Canadian customers, where they can choose the type of card they want that best fits their needs and that they best understand. I think that between both of them, they benefit by having choice and the merchants also benefit by having the right ability to have the right payment mechanisms.