I agree with you from the standpoint of competition in the marketplace, consumers, and what's in the best interests of the public. I don't quite see it from the Bank of Montreal's standpoint.
When MasterCard was here, they said, “Maestro delivers more value to consumers and merchants than Interac through enhanced security, greater network reliability, and international reach”. I was surprised by that statement, because I didn't think their security was all that much greater than yours, nor their reliability that much greater than yours, nor their international reach that much greater than yours.
Could you offer your observations on those statements by one of your board members?