As we discussed earlier, there's no one perfect interchange rate. I think perhaps oversight of a process and regular monitoring of this industy is really what we're looking for. As we mentioned earlier, in Australia it happens to be the central bank. If that were the case in Canada, it would be the Bank of Canada. They haven't stepped up to the plate in seeming to want to do this, but there are other agencies that exist. The FCAC is a possible example. One could have oversight by a parliamentary committee or by the Department of Finance.
