I don't know if it would give them an unfair advantage. I can't speak to the reasons Interac wants to make the change. But I don't think it's fair to say it gives them an unfair advantage. I think Interac believes quite the opposite.
That's indeed what we're currently looking at, whether or not the not-for-profit status that's been so important to keeping the debit network competitive since 1996 hinders them from competing because of various restrictions that not-for-profit corporations have on them by their very nature. That's indeed what we are currently looking at.
What we want to do is make sure the market goes forward in a competitive fashion and that there are no abuses of dominance and no abuses of market power, and that when new entrants come in they don't lever their existing market power in other areas to dominate another market. These are all things we are looking at that members of the committee have so astutely raised already here. These are exactly the things we're looking at.
But I don't think it's an unfair advantage that we're worried about. It's whether or not it will disadvantage them.