It's a very complex area. Obviously, the use of credit cards is a benefit to small and medium-sized enterprises. Clearly, it helps with attracting consumers and attracting business.
In terms of the right price for the right to use these cards or the ability to use the cards, that's a very tough question. What is the right price? Market forces usually determine that, and if the prices are too high or there is what we call an exercise of market power, it means that there could be a monopoly situation or just that markets are failing. A study may look at the complexity of these issues and provide recommendations on how better to go forward to make sure that if the process is perceived to be unfair to certain customers, there will be ways of perhaps providing solutions for such situations.
Again, as I sit here—