Mr. Taylor, I guess we're not concerned about what happened in 1996. The reality is far different from it was then, and I appreciate the need to respond more quickly.
I wasn't only referring to the consent order, sir, but also to how we hope to see progress on the front of the determination of whether Visa and MasterCard, in the view of the Competition Act, do in fact have and exercise a dominant position, which naturally will eventually seep its way into the debit card market and change it irrevocably.
As well, is there any consideration being given by the bureau--if any complaints have come before the bureau--with respect to whether or not a below-cost selling strategy by one of the players to undermine the 99.99% that you've referred to has in fact been entertained, or even discussed, or even considered, and how long it will take to respond?