Sure, and we've seen the battles with Walmart and others that have gone front and centre on some of these things to address it.
What the BDC could do.... It was interesting because I had just thought up the idea on the spot when we were having committee, and it turned out that they don't even know when they canvassed their own users at the BDC about that issue. They couldn't even tell me a date for it.
What's amazing about this is, as we all started with higher prices for gas, supply chain issues, shortage of personnel and staff and so forth, the credit card industry and these fees have not been subjected to those costs. They have not been affected, but their profit margins are enormous on that, and they've even enjoyed government largesse through Mastercard, for example, getting a $50-million government grant to do security things that they could have done.
I guess what I'm getting at is that you'd think there would be a serious look at this, whether there was another product out there similar to credit unions getting into credit cards and lowering their interest rates, giving consumers a second choice.
Do you think that small and medium-sized businesses might look for a product that's a little bit better regulated?