We're much more active on both the debit card side and on the Interac side. In terms of fees and some of the things you were just talking about, credit unions themselves pay for those in terms of offering those types of services. So they do provide special features, such as fire protection, and those are paid for by individual credit unions.
We are hearing concerns from some credit unions, primarily around making sure that their Interac services will be able to compete on a fair, level playing ground. We are primarily issuers of Interac services, and we want to make sure--we are Canadian only, as is Interac--that it remains a strong player in the services marketplace.
One of the things we see in the move to chip cards is that in the move to chip cards, all those terminals get changed. That introduces the opportunity for new applications to come into the marketplace. We believe it's really important that Interac has the opportunity to participate, with those new applications that are going to come into the marketplace, on a fair and even playing field.