To your first question, you're right, we're like a wholesaler, so we provide a fee to the acquirer, who then adds other services. We're an operating cost to them--and you're right, it does reach the merchants.
I am not here to prescribe legislative remedies or any prescriptive remedy; I am here to indicate that we do not have a level playing field and to indicate that Interac cannot survive if there isn't a level playing field. I'll just go to the exact attributes of that.
Number one, it's internal. We need to remove the artificial funding and governance constraints that currently are on Interac. We are different from our competitors. That's consent order imposed.