It's a good question. I think the measures around transparency are broadly good. This is true in lots of sectors, whether it's hospitals and health care, or payments. I think having to put your prices on the website is good for competition and it's good for small businesses.
The biggest thing, though—and I apologize if I seem repetitive here—is introducing competition to the marketplace where there are just natural network effects in card schemes, whether it's Interac, Visa or what have you, that I think make it difficult for the free market to operate the way it might naturally in other spaces.
Therefore, I think introducing competing payment schemes is probably the single biggest thing that can be done to.... It might not make things simpler for small businesses because it adds another option on the market, but I think it would, over time, make things cheaper. I think that ultimately making things cheaper is probably even more important than making them simple. Then it's the job of companies like Stripe to try to package all of this together in a way that's hopefully transparent, simple and clear for the businesses in question.