I'm not sure I can speak to the reasons for the 3% side of the 12¢ to 3%. I can certainly talk to the “few pennies to 12¢” side.
Certainly Interac has become a payment method that I think both sides--consumers on the one side and retailers on the other--have come to rely on greatly in their everyday lives. It's a product that we're able to deliver to the market not only I think as the most inexpensive payment option in this market—for a typical large retailer, say, 2¢ or 3¢ per transaction, and for a small retailer probably 10¢ per transaction—but also even on global levels. These are costs that are low by almost any international standard.
I think this has been what Interac has been about. We've heard a lot about costs at this table today. It's what we continue to look to as we talk about advancing into e-commerce, mobile commerce, and so forth. Part of the effort here is to continue to deliver service that is valued by merchants and consumers at cost points that are approachable for consumers and merchants.