Do any of the other three disagree with that view? If not, I'll go on to another question. Okay.
This one, also for Professor Ware, is on the subject of Interac. My impression is that Interac has served Canadians well, at low cost, for a good number of years. I'm not opposed to new competition from MasterCard or Visa necessarily. But a lot of people think that international experience suggests that once they get in there, they will tend to raise rates, and consumers or merchants will end up paying more than they do at the present time. One of the problems is that Interac has been structured in a way that its governance model is not appropriate for dealing with the new competition. Interac, in a sense, is like the David, in my view, fighting these two new Goliaths. Maybe there's a role for government or Parliament to try to improve the situation for Interac so that it can better compete with these two new major global forces. Would you agree with that?