Since you directed the question to me, I'll start. I'm sure my colleague can add even more specifics.
We absolutely have seen an increase in business on Visa Infinite and rewards-based cards. We've testified that there are higher interchange rates. They are one-fifth higher, so they're 20 basis points higher than our core credit product. But we've also testified that as we saw that trend develop—and it's in less than 10% of our accounts in Canada—and introduced slightly higher interchange rates on Visa Infinite, we also lowered interchange rates elsewhere. So across the Visa system in Canada the rates have been flat at 1.6%.