I'll be very brief. You mentioned an interesting point. I'm sure you're well aware, as many people are, the New Democrats are going across the country, talking to small business owners about the merchant fees they're paying, and talking about some of the changes we would like to see, what we're proposing, and what stakeholders and small businesses would like to see.
You mentioned surcharging, which is something we're putting out there. I'm hearing from small businesses that they don't want a surcharge. If they surcharge, that cost is going from Visa and MasterCard right to the consumer, and it's not addressing the problem.
They want to see government action, which they're not getting, to address this problem. If we keep this open, how is that going to continue to affect small businesses? When we know mobile payments are coming, when we see language trying to skirt co-badging, this inaction will be detrimental to small business, won't it?