We believe that by entering the debit market in Canada we can bring value to both merchants and to consumers. There are a couple of reasons for that. On the consumer side, we bring the opportunity for increased functionality, as I mentioned, the opportunity to use the card online, for mail or telephone order, and in 170 different countries around the world, when people travel internationally, which is becoming more important as our economy becomes more globally integrated. So we bring functionality.
We also bring best-in-class fraud controls, the opportunity for banks to bring new security features to the debit cards they offer in Canada and to more effectively manage fraud.
On the retailer side, we offer, number one, the opportunity for them to provide choice to their consumers, to create satisfied customers, and also the benefits of bringing new technologies. So we have innovations, like what we call Visa payWave, a card that's just waved in front of a reader and requires no signature for transactions under $25 to $50. That can help retailers who operate in a small ticket environment, whose business model relies on quick throughput, to speed up that throughput and generate efficiencies.