Certainly there are two specific things, as we said in our address. The first thing is that Interac does need to change its governance model. As a non-profit association, it does not have the capability to develop new products and services. It needs to move to a new type of model that would allow it to have the capital and revenue necessary to develop products and services and get them out on the market and compete more effectively.
The second thing would be a review of the regulatory environment to make sure that any new payment scheme--Visa, MasterCard, Interac--is playing on the same field and is subject to the same regulatory requirements.