Routing in the debit card context is one of the issues on which the Senate banking committee made recommendations in its report. As you're aware, there has been a request for an official government response to the committee's report, and this is an ongoing process. We cannot make specific comments at this time as to what action the government should take.
What I can tell you is that routing is not a simple or straightforward issue; it's highly complex, involving a number of actors in the market and an intricate web of interrelated issues. Routing in the debit context is a process by which a given network--Interac, Visa, MasterCard's Maestro--is selected to transmit the electronic message to authorize a debit transaction.
There are questions as to who should make that decision--the network, the issuer, the acquirer, the merchant, or the consumer. Depending on whose network the transaction is conducted on, the cost to the merchant may vary. We don't have a position on which one of those should be the one that chooses. I think there will be a government response to that.
Would you like to add anything, Martine?