I would agree with the comment, but I would also add that it doesn't necessarily have to be through regulations or legislation. It could also be done through what has been used more recently, in terms of voluntary codes.
We've been participating, as part of our mandate, on the debit code. One of the previous witnesses today referred to the CPA debit code. In fact, it's not a CPA debit code, it's a government code. We participated in the development of it, and we would welcome participation in the development of an electronic one as well.
You have to be very careful about making sure you recognize the different properties of the various payments so that you don't come with a sledgehammer and basically try to cover everything. If you do it through legislation on top of that, you lose a lot of flexibility. If you do it through regulation, you also lose flexibility. It's why voluntary codes have been favoured by the industry.