That's correct. We're a not-for-profit association, so we only recoup our operating profits in any given year for the activities that we provide within the network. And those activities are, number one, as I said, we operate the systems that link the various members' systems together in the network, but we do not, obviously, have purview or operate the large systems that sit within our direct connector nodes.
It's very important to understand that the Interac network is a decentralized network, and the benefit of that obviously is that there's no single point of failure, so it's virtually impossible for the network ever to go down for Canadians, and hence its reliability. And then we provide, as I said, all of the administration of the payment rules and policies and so forth, plus the marketing services and the varied security services.
We recoup those costs in charging a member fee per year. For example, the interchange fee I mentioned--and this is in our guidelines and mandated--that flows from the cardholder's financial institution, or the issuer, if you will, and flows to the ABM operator or acquirer is not collected by Interac. We merely recoup our costs, from an operating basis, for those four main services that we provide annually.