The Canadian Bankers Association represents 17 credit card-issuing companies, including the companies at this table and a few for which this is their only activity, such as MBNA. This is not a business model that applies to everyone, and it is very important to emphasize that fact.
The other point, which I was going to ask my colleague to speak to, is that in terms of the regulation of interchange fees, the only proven example is in Australia.
I know that the chair is trying to....