There is a real desire. As I believe I testified previously, we understand that there's an issue here. When you have a client base of merchants who are not pleased and are coming to Ottawa to discuss with you the problems with our industry, that's a sign it's not working.
That being said, I think there are other signs that can be looked at. Over the last decade we've seen that more and more merchants are accepting cards, and more and more consumers are using them. There are also signs, via the Global Insight study my colleague referenced, that electronic payments are driving economic benefit and efficiency.
I think there's an opportunity to work more cooperatively with the merchants. We will continue to look for ways to improve our transparency and business practices to meet their needs. However, I'd like to be clear that at the end of the day there is a commercial tension here. A value is being provided to merchants, and there's a cost associated with that value. In the realm of business, I don't think the merchant community will ever say they're happy with the fees they pay for that value.