Yes. In fact, it's the opposite. I was commenting on MasterCard's testimony that their current rate in the Canadian market is a 0.5¢ switch fee. I believe they currently have interchange set at zero basis points. We've seen that before.
What I was saying is that while it's tempting to comment as a cost recovery organization that knows the economics of this business, that has very little marketing or R and D on the sustainability of that, I was just pointing out that in all other markets that I know of around the world that is drastically lower than the Maestro and MasterCard debit pricing.