Absolutely. Look, I will say that this isn't the first time we've seen this. When the Conservative government put the first round of credit card fee reductions in place after negotiating it with Visa and Mastercard, there were a couple of processors that did decide not to pass them on, but I will tell you that at CFIB we worked closely with Minister Flaherty's office at the time. I think it was also in the transition to Joe Oliver. Those savings ultimately were passed on after some pressure from both the finance minister's office and externally from us.
That is what my expectation is for this round. I am waiting to see that happen at this point in time.
To your point about the aggregate savings, I've talked to tons of small business owners who say they pay more in credit card processing fees than they take home from their business themselves. That's how big a cost this is to SMEs.