As I said in my introductory remarks, Mr. Chairman, if costs and prices go up and there is a violation of the Competition Act, that would very much concern us. So if that hypothetical situation were to happen and it was due to an anti-competitive act that is covered by the Competition Act, we would certainly be concerned just given the sheer size of this market and its importance.
The one important thing to remember is that the cost competition is one element and it has to be looked at closely. We'd also have to look at actual facts, not just at what people are saying publicly. We don't just look at the public information that people are looking at. We use subpoenas and search warrants and we get to their actual strategic plans. We get their actual financials and we look at them. Our analysis is extremely detailed of all these matters that we have as priorities, and I would say credit cards and debit cards are very high on our priority list. The commissioner has made it very clear to me that we need to get to the bottom of this very quickly.