Thank you, Mr. Chair.
I'd like to go back to the debit card system again. We've been dealing a lot with the credit cards, but the debit cards really started this all off, with the possible changes coming to Interac.
One of the areas discussed in your deck is staying away from the ad valorem system. Some of the banks state they are taking some risk when they transfer money, so the ad valorem system would basically protect them in the transfer. I can understand that in the credit card system because there is a little more risk, but am I missing something in the debit card system? Can you maybe explain to me where there would be risk in dealing with a debit card as opposed to a credit card?