On the transaction fee side we've got payment experts here, but I think it's quite clear that other jurisdictions are saying it's necessary to step in through regulation. Even on the e-commerce side, in the United States we've heard about the concerns about using credit cards.
In the United States the risk was fairly low with respect to credit cards. They've got Regulation Z, which creates a $50 cap on potential liability, which meant that credit cards were a viable form of payment to use, from a consumer perspective.
In Canada we don't have a similar regulation; by and large, it's through contract. There have been steps taken in the United States to try to ensure that both fees come down and that consumers are adequately protected. We don't see that to the same extent here.