During the pandemic, we saw a huge transition in how people paid. Cash is really non-existent today. It's moved to digital payments. When that happens, it becomes much more expensive from a merchant's perspective. When you move online more, those transactions are even more expensive, because they're considered to be riskier.
While rates themselves have not gone up, the cost to small businesses has gone up as a result. We have been pushing the federal government to lower credit card rates, which they promised to do back in budget 2021, and it was mentioned again in budget 2022, but we have yet to see any movement on that.
There was a reduction, I will say, in 2020 to an average of 1.4%, but we believe more needs to be done to bring more of those savings to small businesses, because a lot of it gets spread out to businesses of all sizes.