Sure, yes. The different products that are out there, including commercial card products, etc., have different behavioural characteristics. This is my view. I think there is a place for different interchange levels in the system to incent different types of behaviour. I also believe that absent, including in the case of American Express, in any of those discussions is the fact that we would have an unintended consequence if we imposed the Australian example. And that could be that the issuing community decides it's in their shareholders' best interests to issue American Express cards as opposed to Visa or MasterCard cards. The fees that are charged on those cards and the fees that the issuers would receive from those cards would be dramatically higher even than what they're currently receiving today.
And so I think a combination of those two things, as well as--and I don't know for sure--the potential for decreased innovation with things like contactless, for example, and things like the chip, which again, I believe, is a very good thing for the Canadian consumer just from a data integrity perspective.... Examples like these, I think, are driven in a free market, and I don't know if, in a more constrained market, we'd have that type of innovation here.