The driving force is to survive, and to survive on the behalf of merchants, consumers, and the entire marketplace. The viability of Interac is a benefit to the marketplace. We're seeing it even today with how Visa and MasterCard are operating to try to penetrate this marketplace.
I think it's important to be a merchant economy going forward, to have a countervailing Canadian force. It's important to Canada. After 9/11, the United States elevated payments to the status of a national infrastructure. Here we are talking about the debit infrastructure, Canadians' access to their accounts. I think it's important that we continue to have a Canadian option in this area and we're not outsourcing our debit retail payments market to the United States. I think this restructuring will allow Interac to benefit all users of the system—the issuers, the merchants, and the consumers—with a fair and balanced value proposition.