Okay. The reason I'm asking that question is that I'm going to ask a few questions about those I consider to be our consumers, those who actually hold the cards at the end of the day.
I look at...I guess it's the Bank of Montreal's MasterCard. I don't know who else carries MasterCard, but I know the Bank of Montreal does. As a consumer, I look at the writing on these applications, which is so small that.... Well, I'm 45 and I can't read it.
So for those who are older or younger, whose decision is it, in terms of information to the actual person who will be paying the bill, that this information is here? Do you require the bank to provide certain information on these documents, or is that completely the bank? And what input do you have on this when somebody is trying to decide whether they should be a MasterCard holder or a Visa cardholder?