I can speak to the costs that are within the purview of Interac. In my previous life, coming from a technology company that provided outsource services, certainly no. A number of those itinerant costs are data processing ones. Every time you pass a message through the telecommunications infrastructure, hit a switch, or go through a different element in the network chain, there is a cost associated with that.
But I can't get into the details of my specific members' costs.