As I was saying on the priority routing issue, when you have two competing networks on the same card, it does raise some issues of transparency and choice for the consumer. I would agree with you. I think it's interesting that neither MasterCard nor Visa allows each other's applications to ever co-reside on the same card, and there are some reasons for that. Today, there's no confusion in the market. When you pull out a credit card, as a consumer you know the payment vehicle you're using. It's your Visa or your MasterCard. When you pull out your Interac card, you know that as debit. It's important that transparency be instituted in the market if we're going to have the same card with two competing debit networks on it. Financial institutions would need to clearly disclose that there are two debit networks on that card.
The cards would need to be clearly branded with both networks in a way that doesn't confer advantage on either of them. Consumers would need to be educated on how the system works at the point of sale, and that terminal would need to display both networks clearly, fairly, and on the same screen, allowing the consumer to make an informed choice and the merchant to be able to influence that choice.