Mr. Stanton, I'm going to shift to debit now, and I know other colleagues here want to talk about this as well. To forgo ad valorem on your Maestro products, you've stated that your flat fee for MasterCard would be lower than that of Interac. How do you know what Interac is going to be?
Second, if they introduce it at 1%, will yours be less? More importantly, your parent or associate company in the United States offers Maestro or MasterCard debit. Do you believe the CEO down the road will introduce that as an ad valorem and walk away from your commitment here to have a flat fee if you get into the business of debit cards?