We are, as you know, in discussions with the bureau on restructuring ourselves internally so that we have the same capabilities as our competitors.
But the second is that we need to ensure that consumers and merchants are making overt and open, informed choices in the marketplace, and this is what I think Mr. McTeague was getting to. Consumers need to know the payment vehicle they're using. They shouldn't be thinking they're using Interac when they're actually using a competitor's brand. That's going to erode my market share.
Merchants need to clearly understand the payment options available to them and their associated costs, and they need to choose the options they wish to accept. So merchant contracts, which are an issue in the industry, need to be in clear language, ensuring that the payment options are separately priced. They can't be blended or bundled, because that takes away our strategy and the Interac low-cost, sustainable option.