Just very quickly, in the debit area, what government needs to do is reduce the barriers to entry and encourage entry, as I said earlier. If they achieve that, then we will get more competition and consumers will benefit.
In the credit area, just to follow on from one thing Jack Carr said, yes, 40 years ago we had cheques and cash and then credit cards had a huge successful run. Although we're not likely to get a new credit card network entering because the network economies are just too large, one thing I would predict, for example—and we never can really predict innovations—is we will start to see a lot of online debit transactions in the future, because, for example, the Interac card has not been used for online transactions. I think it's a security issue. That's going to change, I expect, and that may in fact reduce credit card use, but as Jack said, that's innovation and that's efficiency, and that's what we want to encourage and allow.