Look, I actually say our official position at CFIB has never been to oppose outright regulation. Our view has been, just as we supply to small businesses, that regulation isn't always the answer. It's often what governments look to first. We think about it from a small business perspective. We don't love it when government just jumps in with command and control regulations right away. We try other instruments first, and if those don't work, then, of course, regulation remains an option for government in these instances.
The only piece I would challenge, though, is that while the posted rate, the advertised rate, in Europe is 30 basis points, that is not the effective rate that is paid by small companies. The benefits are construed primarily to large merchants, and small firms have other fees that are added on by other players in the marketplace, which means that the rates are not dramatically different from what they are in Canada right now. It is not a panacea. Regulation is not a panacea for small firms. That's my point, but is there an openness on our part? Yes, there is.