I have one more question. You may not have thought that anybody would ask this question, but the concern around here has been that the credit card industry, which basically has two big, big players, is trying to get into the debit marketplace. They've done it elsewhere, but they're trying to do it here.
Is there any discussion at your end about getting into the credit side of the business and be another player in the credit marketplace as part of your future as Interac?