The main question or main concern we had about Madame Lapointe's bill was that it didn't set the rates. We wondered as well, similar to your question, what that would mean in the future when those rates would be established. What we like that we're hearing from the finance ministry now is that they're going to study this. Madame Lapointe's bill did not suggest that either.
As an industry, we recognize the need for a vibrant credit card system in Canada. Our retailers want to see customers having access to debit. Ensuring that everyone is treated fairly in a resolution is very important. We think that having Finance look at this now and study it in greater detail will be a much better way to approach this issue.