That really is a question for the Competition Bureau. It's not within our purview to second-guess the structure of the financial ecosystem. What we really do is regulate the participants to ensure that they are behaving, that their market conduct is appropriate and that it is not prejudicing any merchants or consumers in that environment. We are ensuring that information is shared appropriately, in a timely way and in a way that these merchants and consumers can understand it.
For example, the code requires that merchants be notified of any changes in fees in advance, that it be on their statements, that it be obvious and that it not be in minuscule print at the bottom. What's important is that people have information, because that's power. That allows them to then choose their service providers.