I say “a low-cost provider”. You've heard the testimony regarding MasterCard's current pricing strategy into the market. We have been historically, for 15 years since Interac debit began, a low-cost provider. No one can argue that 0.4¢ to 0.8¢ isn't low cost.
What I'm saying is that our strategy in the future is to offer a balanced value proposition going forward to maintain that primacy. I spoke of the need for us to partner with the merchant acceptance community. If I layer on too many costs--and internally I'm willing to open those books up to the federal government as far as any excessiveness is concerned--the merchants are going to begin to make a choice other than Interac and choose MasterCard and Visa.