Well, look, Mr. Stanton, on the subject of competition, I take the comments that have made hypothetically by Mr. Chong. I think there are a number of pitfalls here and a number of areas that we are very concerned about as a committee.
Let me go on to the regulatory issue as well. Assuming, of course, you continue with debit—and I know you do some of these transactions through certain credit unions, etc.—you're going to have real-time access to information on the spending and saving behaviours of Canadians. I'm wondering if in fact you can guarantee to us that this data will remain within Canada and will not be stored in the U.S., given that your parent is from the United States. But more importantly, do you not see any problems and potential conflict should the data be subject to the U.S. Patriot Act?