This is what I meant in my opening remarks, as we've consulted and we've learned from history. Unfortunately, the STAR Network and the NYCE network decided they were going to play a price-matching game with respect to interchange with Visa. They were different from Interac, however. Visa already had acceptance at all the merchants in credit and they played the honour-all-cards. You remember that whole fight where, if you took a Visa credit, you had to take a Visa debit.
Visa didn't have the impediment they have today here in Canada whereby Interac debit is accepted across the country. What ended up happening was a spiralling of interchange to where I think the United States is the highest interchange market in the world today.