Do you really want me to repeat the answer we were given? In fact, we weren't given an answer. At the Canadian association, we hold meetings three times a year to which we invite representatives of the banks, credit card companies and acquirers. At the last meeting in September, the MasterCard people decided not to attend. We were surprised. When we request information and encourage transparency, these people simply tell us that they're dealing with software problems, that they can't answer our requests. Often our questions are ignored. We're really disappointed.
I'm sure other witnesses have comments to make on that subject.