I do see that. I think the company sees that. It's why I think we've tried to improve, just over the last year our two, our transparency on our rate structure, our rules. I think we can improve the number of resources that we put in direct contact with the merchant community. Probably the fastest-growing part of Mr. Wilson's organization is his merchant sales organization. I think we can do a host of things to clarify that while certain merchants have seen their interchange rates go up, just as many, in our view, have seen them go down, because the effective rate in the Visa Canada system has been flat. I think we can do a much better job of maintaining and managing our relationships with the merchants.
On May 14th, 2009. See this statement in context.