You'd have to specifically talk to each of the banks. It depends on which aspect. Are you specifically asking about cardholder choice or merchant choice, because there are differing views as to what constitutes cardholder choice, as we've heard. You heard from the Bank of Montreal, which believes there's cardholder choice in the customer choosing which financial institution and which debit card they're going to use. They have the choice. If they don't like the brands that are part of that debit card strategy, they can choose away from that institution. Others would have differing views, but I cannot comment on their specific views.
On June 16th, 2009. See this statement in context.