There are a couple of questions there. With respect to the Interac consent order and looking to the Competition Bureau to restructure it, we recognize that there is some need for Interac to update their decision-making models to streamline the way they do things and the way they go to market.
We believe everyone in the debit business must play by the same rules—whether it's Interac, Visa, or MasterCard. The Canadian Payments Act has protected the Canadian debit system in a unique way. It's the envy of the world, and we should ensure that we do not lose that uniqueness and efficiency, which has become part of the way Canadians use debit cards.
Our first recommendation would be to ensure that there's a level playing field. Our second recommendation is that there be no ad valorem on any debit mechanism.