—how to classify small businesses—90% of businesses that accept credit cards benefit from the reductions. There were a number of discussions on how to define or establish the scope of the application.
Obviously, interchange rates are a highly complex matter. We wanted to better understand certain aspects. However, we also had a clear and firm position. We wanted to see substantial reductions. We also wanted to ensure that other businesses wouldn't be punished by a reduction for certain businesses. We also wanted to ensure that Canadians' loyalty programs would be protected.