Yes. Thank you so much for the question.
You're absolutely right. That's why we are flagging it and are so concerned about it. We have seen that consumer behaviour has changed in a number of ways.
As we'll all recall, at the beginning of the pandemic, we didn't know if COVID could be transmitted by touching things, so people really steered away from using cash. We all know that consumers like their credit cards. They want to get points for travel. We understand that's important, but somebody ultimately has to pay for that. Our point is that it shouldn't be on the backs of merchants.
We've talked about this issue for a long time, and we really feel it is at a crisis point. We really need to see action, because the voluntary code is not sufficient to help out the small and medium-sized businesses.