Thanks. There are two things.
I do believe that unless the industry sees the light, we will need to put a cap on interchange fees in this country. I simply cannot see a reason for our fees being three, four, or five times higher than in Australia, for instance. More broadly, in that area or other areas, if we want rules, we want those rules to be known by all the players. We want them to be enforceable. We want everybody concerned to have to abide by those rules. I don't see how a voluntary code, by its own status, can do that. You need something that in some way, shape, or form is legally enforceable. Otherwise, it's basically window dressing.