I'll start by saying that we've always advocated for a strong, competitive marketplace, so we're not opposed to competition. Bring it on. We think we have a great value proposition to offer all of the stakeholders: issuers, acquirers, merchants, and consumers.
We understand the pain point of the merchant community, rising costs, in terms of payment acceptance. That's why we work very closely with the merchant community, because we are their low-cost option. That is the importance of having a strong domestic debit network in Canada. We've been talking for a number of years now to committees such as this and to the Department of Finance about things that can be done to ensure that there is a healthy, level, competitive playing field in Canada.
What we do is we're a mitigating force. By having our prices low, we drive prices low.