Thank you. I wanted to get that on the record.
I want to move to debit. Interac has requested to go from a not-for-profit to a for-profit. One of the reasons they give for this move is that Visa and MasterCard are entering the field, and Interac has to be more nimble. They need some governance changes—I think we all recognize that—and they need some cash for R and D.
Now I'm going to go to the switch fee. Interac has a switch fee, a small switch fee, for debit versus the interchange fee. I want to talk a bit about the CPA, because the Canadian payments system is the regulator of the debit system. As I understand it, the system for settlement for Visa and MasterCard is not under the Canadian Payments Association.