My thanks to the witnesses for being here.
I wanted to let everybody know the price of gas is dropping a penny tonight in some parts of the country.
Outside the country, there seems to be some concern about Visa and MasterCard attempting to get into the debit business. I think it behooves some of the members on the committee to find out whether there is any process by which debit clearing would take place outside of Canada. Is there a risk? I asked this question to Mr. Stanton, and he said no. But his answer was not clear. He guaranteed the clearing house for processing debit will not take place outside of Canada, which could bring forth concerns having to do with the USA PATRIOT Act and our own privacy laws.
Mr. van Duynhoven?