I think we're probably comparable in many ways. I noted just yesterday that down in the U.S., the Supreme Court has now accepted a case, and they are looking at American Express and the fees they charge merchants. I think certainly the challenges down there are pretty comparable.
I would say that in Canada there were positive efforts made by the previous government in bringing in a code of conduct for the credit card industry. Unfortunately, what we have found with that code of conduct is that some of the commitments that were made, particularly around transparency and openness about those rates, haven't come to pass. I think this is one of the reasons Minister Morneau is reviewing the file, which is certainly encouraging. My hope is that this committee will add to that momentum. Hopefully, we can get some hard caps in place in the next budget.