As I said in my opening comments, I support those statements. I understand the need for MasterCard and Visa to try to convey a value proposition on why they are absolutely needed in this marketplace, and they've chosen to take the tenets that they're more secure, that Interac isn't online, and that they're international. In my opening statements I hope I was able to clarify what is true and untrue there. We are online. We are one of the most secure debit networks in the world by almost any measure, and I pointed out some of what is happening on credit card fraud, credit cards being their very systems.
I would agree with you. Interac as a service is not broken; it is a world-class infrastructure and a great national payment system. Interac as an organization, in a new marketplace and needing to compete in this multi-network environment, is the issue.