In the case of Visa debit, I think they would like to accept them for contactless capabilities, so the tap and go capability, or for e-commerce or other card-not-present transactions. Those are new opportunities for them to use that particular card. The reason they wouldn't want to accept it is that Interac works today at the point of sale for debit. As I said in my opening remarks and Jim has mentioned, there is interchange attached to Visa debit. So at the point of sale, at this point in time, just on the pure cost equation it would be questionable whether they would want to take that card. Again, they'll have the choice to not accept Visa debit at the point of sale.
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