So the first change is just the restructuring of Interac in order for it to be able to compete and continue to be there for consumers. I think consumers over the past 20 years have come to rely on it, and in some respects debit in Canada has been a love affair with Interac. So I think it's important that our viability be continued.
Beyond that, if you're talking about a level playing field, I think the experience needs to be different. Cardholders should understand the payment vehicle. So in this new multi-network world we find ourselves in right now—and we're no longer in the dressing room, we're out on the ice, and Visa and MasterCard are operating around us here—I think it's important that consumers continue to understand the payment vehicle they're using and not be confused, thinking they're using their Canadian Interac and they're in fact using another brand. I think it's important at the point of sale that merchants, as well, understand that they aren't having contracts put in front of them where Visa, MasterCard, and Interac rates are blended—they can't tell and can't make an overt choice between them. We shouldn't have honour-all-cards rules, as we saw in the United States.