My main motivation is ensure that Interac survives as a viable choice for merchants, consumers, and issuers in this marketplace. The success that you're talking about and the consent order was enshrined about 15 years ago in a very different marketplace.
Visa and MasterCard have proven in almost all jurisdictions around the world that they take over the market at the expense of the domestic debit provider, usually because that debit provider is hindered in these ways. We are standing up and saying no, we need to restructure and there needs to be a level playing field in this market. We can compete and succeed against Visa and MasterCard owing to our products.