You are correct, we settle through the Canadian Payments Association and we believe that the rules framework and a fully Canadian settlement option meets our needs. It's important for the debit system that we operate here in Canada. Our items are safe and secure and in Canada.
I must say that as far as commenting on the others goes, after reviewing the testimony of my counterparts at Visa and MasterCard, I'm not sure I understand their clearing and settlement well enough to form an opinion of its safety and soundness or of its risk.