You stayed out of the debit card market particularly in Canada, but you've been in the debit card market in a lot of other countries. Could I suggest to you that you stayed out of the debit card market because the system here works pretty well and it's pretty cost-effective and you'd be heading into pretty serious competition headwinds, so you've practised in other countries and are now coming into Canada? Is that a fair observation?
On May 14th, 2009. See this statement in context.