I'd really like to answer your question by giving you a specific figure, and that's why we are suggesting the Australian model. In fact, authorities have studied the experiment over the past five years. There has been some transparency because the credit card companies are required to inform the Australian bank of operating costs and transaction costs, and that's how authorities have come up with a figure of 0.50%, or 50 basis points, that would be considered as reasonable. However, we don't have the information in Canada concerning transaction costs and profit margins. That's why we're suggesting an extensive study be conducted.
