I'm wondering about your thoughts on that. Considering that they may be settling outside of Canada, I guess that is an issue of some importance for the banking system, for the Canadian payment system. I'm wondering what your thoughts are on that. Do you think there should be a regulatory framework put around Visa or MasterCard or any entrant into the debit card market to require that they would clear and settle through the Canadian Payments Association?
Would you give me your perspective on that?