I think it's a very interesting question, but not one that, frankly, I've really thought a lot about.
One challenge for us as convenience stores is that we're in the business of what we call choice and convenience, so we need to be able to offer that choice to our customers to be able to pay in the manner that they want to pay.
We recognize that there is value for them in their using their credit cards. Our challenge, as you said, is that the voluntary code of conduct has not achieved what it initially set out to achieve. We found that it's not just about the fee. It's about people finding other ways in part of the payment's ecosystem, if you will. They're just passing down the cost and, ultimately, it's on retailers' backs.
I'd be happy to explore that idea a little bit further, but just on first blush, we would still have to accept other credit cards because that's what our consumers want to use.