I would say no. I meet with the CFIB and the RCC, so I'm aware of the spin they put on that.
I will lay out some facts. When we rolled out our debit program in Canada, called Maestro, the cost was one-third less than that of Interac--not more, less. And we took an approach where we didn't feel negative option acceptance was acceptable for us. So each merchant was presented with a business opportunity, a business case, and they had to agree and sign a contract where they were required to agree to accept that product. Tens of thousands of merchants did.
With the code of conduct, we had to unbundle that entire debit program, which in effect cost merchants millions of dollars in savings that they've lost because our program was cheaper than Interac. If we made it more expensive than Interac, nobody would accept it. So it was cheaper than Interac, and that was the play given that it was debit.