We're mandated under a cost recovery basis. Our flat-rate switch fee increases or decreases on an annual basis based on the operating costs and needs of the network in any given year. For example, historically, our fee has vacillated only from 0.4¢ to 0.8¢, and it depends on the operating expenditures in that given year. This year, we had some investments to make and we are undergoing a restructuring. Last year the 0.5¢ is where MasterCard has put its pricing, which is Interac's last year's rate. So it has increased just with the cost recovery model.
On June 16th, 2009. See this statement in context.