Well, you are correct. The interchange fee within the Interac environment has been set. I'm not sure of the exact level, but I know what it was.
Around the world, the fees all vary, and the direction of the interchange fee could vary between whether it's a POS system at the merchant versus taking money out of a banking machine. They are generally set by the scheme or the payment systems that operate those, and that has really been the focus of discussion within government, regulators, and competition authorities around the world.