Thank you. My question is for Ms. Brisebois and Ms. Swift. You mentioned that a solution for credit card costs, among other things, could be to establish eligible costs directly related to the actual processing cost, plus reasonable margins for card issuers. Currently, if I use the figure you're advancing, it costs the consumer roughly 1.86%.
What would be a reasonable margin these days? I'm asking for your opinion and that of Ms. Swift as well.