I'd like to come back to the issue of debit and credit cards, which I think is the purpose of this study—their effectiveness and the cost of putting the networks together.
It seems to me that the bankers association and the bankers' representation say that in the range of 80% of the cards or card balances are paid in full during the grace periods. To me, it says that a lot of Canadian consumers, or a lot of consumers generally, are using debit and credit cards as routine payment mechanisms, as opposed to being the source of bankruptcy, etc.
How do you square that with the likes of farmers' markets and merchants or retail or agricultural food merchants who find their sales are influenced by the availability of these payment instruments?