Thank you, Chair.
I want to follow up on that question with the credit unions. It's pretty obvious that there's a bit of predatory pricing going on here in the debit card market by Visa and MasterCard in order to be able to crack into the debit card market. It's also pretty obvious that in the United States, the cost is three times what we pay here.
To be specific, what would you like to see this committee recommend in order to at least give Interac a fighting chance?