That's a very good question and it's one that we struggle with quite a bit. I should mention, and I think I've testified, that Visa is accepted in 170 countries globally, and in the vast majority of those countries we have an honour-all-cards rule that applies to Visa, the brand. For any card product, any flavour of Visa that has Visa on the card, then merchants make a decision to accept all flavours of Visa or not, debit included.
What have we done in Canada? Since we have such a well-established credit business here and we are coming late to the debit business in Canada, we felt that consumers' perceptions around debit, when we introduced it under the Visa brand, would be clear enough that we could communicate to the consumer and the merchant in a way to minimize market confusion around the launch of Visa debit, so the decision was made that we could offer that choice. It would be beneficial to the merchants to be able to make that difference and choose whether or not to accept Visa debit.