Mr. Taylor, on the face of it, the current situation with respect to debit cards and the consent order that is in being with Interac seems to be a fairly good one in terms of costs, both for users of debit cards and for merchants. In your words, what would be the benefits of allowing greater competition? I mean, there can be two outcomes, in my opinion. Either costs will go up for consumers and/or merchants or they'll go down. If they go up, would that be something the Competition Bureau would weigh in on or is that not part of your responsibility?
