On the surcharge fee, no.
I think the relevant point is that what we're talking about here is the element of being “forced”. As I mentioned, consumers are increasingly voting with their feet, and that's indicative of a competitive market. They are going to cash-back—64% of our customer are using cash-back—and they are using Interac direct payment to purchase goods directly without using cash at an increasing amount year over year.
We've processed over 3.6 billion debit transactions, and that's why we have shared cash transactions going from 375 million in 2001 to 285 million last year. Again, it's indicative of a competitive environment monitoring and regulating itself, as it should be.