Thank you, Mr. Chairman.
Thank you for coming this afternoon. It's a very interesting discussion.
I'm going to stick to the TD approach, so if you want to get it out, I'm going to go over it.
The issue we've been hearing from merchants thus far is about how complicated this is, and you didn't make it any easier today. If I'm looking at the statement under summary of fees, is the interchange rate in any of these fees I'm seeing on the bottom here?