Yes, I do, and thank you very much for the question.
The last part of your question is why this is a government responsibility. I think there are two key points I'd like to raise there. The Competition Tribunal, approximately a year and a bit ago, ruled that the market practices of Visa and MasterCard—I'll paraphrase here—were distorting the market and that the normal influences that would be in place to regulate prices were not functioning within the Canadian economy. That's first. The evidence that was brought forward to the tribunal really resulted in that conclusion. Second, we look at international experience. More than 37 countries around the world have chosen to cap and regulate fees because they recognize that the normal indicators, the normal price functions, do not work in this market because the fees are hidden.