The concerns we have are similar, that the default must be set by the customer. The phone can't come loaded with the higher cost of the premium cards.
I think co-badging is a bit of a different issue within the mobile environment because, as I mentioned, Interac Flash is not currently issued by all the banks. Therefore the co-badging that was protected in a voluntary code ensured that Interac would have a stand-alone platform. I think we're the envy of the world with the debit system that we have, and we commend the protection of the Interac system.
We see mobile as a greater risk to Interac because it's not being issued; it's not being offered. Without that option, we may lose the ability for customers to pay with Interac and move to other debit options that are offered by the credit card companies, which by their very nature are much more expensive. We see it even more as an acute problem than the one in the plastic world.