When you look at it as a whole, we feel that most firms that have about $1 million or less in total sales will qualify for the savings. Credit cards, of course, are a big part of retail sales, but they're not the only way consumers pay. Debit, of course, is low cost in Canada, thank goodness. We have good rates there.
You could expect, as a small merchant, if you have a few hundred thousand dollars in savings, that you might save $1,000 or $1,200 a year. It's not going to change your life, but it certainly is nice to see one cost come down, especially when you're facing so many cost increases on other lines of your budget.