There is already a code in place.
Pardon me, but it's preferable that I speak in English.
As Mr. Dupont said, the credit card companies and issuers have agreed among themselves on the limit. There already is a code in place on debit cards. and there has been for about 15 years in fact. It works very well. As was mentioned this morning, it's actually overseen by the Financial Consumer Agency of Canada. If there are issues of fraud and so on, it provides a process so consumers will get their money back fairly quickly.
On the point made earlier about the importance of keeping the system up electronically, we know the government is going to be undertaking consultations on electronic...and when they call upon, as I know they will, we will certainly be participating.
Karen, did you have anything to add?