Just to go back to the beginning of your question, absolutely, Interac has been a huge success. As you know, I'm sure, I think we're the second biggest debit card users in the world, right after Norway, I think. It's been a huge success, yes. Part of that is because of the standardization, the simplicity, and the openness that was created by the consent order from the Competition Tribunal in 1995 that allowed anyone to connect, basically. That's the first point.
The second point is whether the governance structure of Interac is serving it well now. The answer is no, it's not. If it's going to compete, and I certainly would support competition--we want competition--it needs to be flexible. It needs to be able to innovate. It needs to be able to, basically, make profits.