It's a bit of an economic question. I thought Mr. Globerman did a very good job talking around these types of issues. If you accept the proposition that capital is required for competition and you accept the proposition that competition creates circumstances that are better for consumers, then it's a very quick line to get there. I think the market will dictate what the balance is. Right now, the market isn't competitive, so you have extraordinarily high profit margins and extraordinarily low penetration. That's what we think will be resolved.
On April 20th, 2010. See this statement in context.