Well, we're going to be clear and transparent with all of our fees. As I've said, we're going to open up our books to the federal government on an annual basis. As I've said, we are respecting the flat fee history of Interac in our pricing in order to preserve our relationship, which is so important in our strategy, with the merchant community. We need the merchant community somewhat to be architects of their own cost future in debit. We are going to put a balanced value proposition out there, as we've always done. It will be clear and transparent.
We need that acceptance community, because that's a strategic bastion we have today. We have acceptance from coast to coast. Visa and MasterCard are attempting to do that. You heard from MasterCard that they are trying, on a business case by business case basis, to gain merchant acceptance. We believe we need to put a balanced value proposition out there, and we need to listen to the merchant community's concerns about ad valorem, because we need to appeal to that side of this two-sided market.