Good for you, and congratulations.
I wanted to maybe speak to Ms. Hubberstey as well.
I think we have to make a clarification, and I think you would agree with this as well. The Interac system really isn't the same thing as a card system. In your case, the funds go directly from the purchaser to the bank, then to the merchant. There is no holding cell, for instance, as there would be in a charge system, so you're able to do this at a reduced rate. Would that be accurate?