Yes.
Well, the answer to your question is no, we would not want a system like the Interac system for credit cards. It may have fortuitously worked well for Interac back in the mid-nineties, but as I said earlier, we need to change it now.
Just really to echo what Professor Lee said, this is a differentiated product market in which there is a wide variety of products available to consumers. Those are there because consumers demand a wide variety of products. That's a good thing, not a bad thing. It's a good thing.