I am sympathetic. Diane and I actually have a lot of good conversations on things.
Let me say a couple of things. First of all, on the code--Diane mentioned the code, because it relates to a lot of these issues--we think the government did a very good job on the code. We thought it was balanced. We thought it was, quite frankly, an elegant solution. It has only been in place for just over a year and our argument is to give it time to work. We think it actually is working and we think to the extent that there are disputes it gives a good basis for being able to resolve them, and that has happened.
We hear a lot of discussion about the costs. I emphasized in my opening remarks that that's focusing on one thing. You really do need to look at the benefits and at the positive revenue implications with the payments card system we have. If you look at mobile payments, it's not here yet, but there are a couple of things to bear in mind. Canada has the number one penetration in the world. You won't get this in the United States. We have the number one penetration in the world for contactless, the payWave and the PayPass. The mobile system is going to build on that. It's not as if you need to introduce a whole new set of technology. It's way too early for me to talk about whether there would be costs or fees, but just bear in mind that it's going to build on an existing technology.