Mr. Chair, I'd answer Mr. Thibeault's question very directly. We propose that the Australian model offers guidance in this. We've indicated that transaction costs plus a fair rate of return should be what that interchange fee looks like. We believe we need to understand what goes into those transaction costs, and that equation really becomes what a fair fee is.
It's not a multiplicity of charges. It's not a range. To ask us to sit here and sort of guess, if you will, is not what we're coming to do. We're not here to negotiate a fee. We're saying we need a new system and a system that is based on the actual cost plus a fair return, as has been done in other jurisdictions.