For businesses that pay us for payments directly on an interchange-based model, we pass everything through. We pass through the interchange change that you're describing. We also pass through the tax increase and the GST on payment processes and costs.
Then, for the businesses that pay us a blended fee, which is a minority of all transactions, we've insulated them from the cost increase that ensues where the interchange change is more than offset by the tax increase, and we protected those businesses from that increase.