Thank you, Mr. Chair.
Welcome, Mr. O'Connell. You have told us that in the past, your debit system has always been a low-cost provider. You say that you wish to change from being a non-profit association to a commercial entity. You are even ready to make a commitment.
What sort of commitment are you ready to make? Can you guarantee to us that costs will remain low, as they always have been in the past?