One addition to my point is that, very interestingly, a few months ago the European Union, in a major anti-trust case against MasterCard on this identical issue, resolved the issue precisely in the way that Mr. Mulcair is discussing. The European Union decided that the interchange fee should be related to the extra cost of carrying cash. That was the test the European courts put in place. They've done the studies and they've figured out a number—I don't know what the number is—and that has become the interchange fee in Europe.
