--and improve what you have.
Well, it's broken from the perspective of a consumer and a merchant. It's certainly broken, because higher prices are being proposed.
Let me ask you a simple question. Earlier you made a comment to my colleague, Siobhan Coady, about the question of fraud and how fraud was on the increase. The Canadian Bankers Association website, to my knowledge, suggests that in fact fraud from your bank, RBC, is down. Can you reconcile the discrepancy?