If I may, the interchange rates in Canada, specifically for MasterCard, are lower. I read the statement from that witness. That is incorrect. The interchange in Canada is lower than in the United States, and that is a fact.
I can't speak to the end price that they negotiate with the acquirer. There are seven acquirers. Certainly the market can't bear hundreds of acquirers as in the U.S., a very large market, but there is opportunity for merchants to negotiate rates. It depends on the type of business they're operating.