Thank you, Mr. Chair.
Thank you for your presentation today.
You're right, trying to understand the debit market is a complex issue, when $168 billion, I believe, is the number Interac is helping to look after right now. I believe you said it was 99.9% of that market, so that's a significant amount of money that seems to be working right now.
I know it will be difficult to answer some of the questions, so I'm trying to phrase them to get more of your opinion.
Would it be fair to say that if Interac doesn't get the consent it needs, they're then put into an unfair advantage because they're going to be competing with Visa and MasterCard, which are coming in as for-profit companies, and Interac will be not-for-profit?
Does that make competition fair? I'm looking for your opinion on that.