I'd like to add to my colleague's response.
As private company, a for-profit company, we believe we've been able to be more efficient. We've been able to move capital in investment into the network that was impossible before, and we are driving more services that reduce risk and drive more functionality to cardholders and merchants than we were able to before as an association. So the resources available to us are greater, and to operate as a global company, it's also incredibly important for us to continue to maintain a Canadian presence with a Canadian management team.
So we think the model works better today. And on Tim's point, interchange rates have been flat, and we don't see that changing.