It seems to me that as a committee we have to be very careful to ensure that we're not asking for something that's going to cost some groups a lot more and volunteering someone else's money to pay for these wonderful new procedures that may be legitimate in some cases and somewhat dubious in others.
Let me shift to the issue that we began with, the question of debit. You're admitting that there will be an increase for consumers under the new guise of competition, which, Nancy, I think you mentioned a little earlier. If that is the case, let me go back to the beginning of this question. Without regulatory involvement, how do we justify to Canadians that the great new wonderful world means that they're going to have to pay more for your services? Other people may be able to get an advantage or certain rewards as a result of that, but how do we justify it to merchants and consumers? Are we supposed to stand here and say, that's the real world, that's the way it is outside Canada? I would rather think that we have a great system here, as Mr. Rota suggested.