It is a voluntary code, but it is backstopped by the Payment Card Networks Act that the Minister of Finance can put in legislation. So we treat the voluntary code quite seriously, and we want to adhere to it.
If the debit market were allowed to open up and we were permitted to enter it in a commercially meaningful way, Canadian cardholders would have access to the entire globe online--in Canada and internationally--to use debit.
As Mike alluded to, debit and credit transactions are completely different, with a completely different risk profile, and the pricing for debit is substantially lower.