The pricing structure for my competitors' credit products as well as their debit products is different, and I can't speak to how they price them and how the issuers then price them. I can speak to how we price ours. At the end of the day there is one fee, a low-cost switch fee—0.6362 to a penny—and then the inquirer marks it up to the merchant, depending on the contract. A higher volume may be two cents. As I said, on average, it's about five cents.
For the value proposition in there, it is more difficult to build in something like a rewards program, although there are rewards programs that increasingly sell on debit and Interac. I'm going to sound like a Royal Bank commercial, but Royal Bank with Shoppers Drug Mart have a product that offers rewards for Interac debit, Bank of Montreal with air miles, and Scene with Scotiabank as well. So there is some value in there for issuers.