First, to your previous question, there are two other issues that I think we should add. Our payments infrastructure—our plumbing, if you wish—is pretty much not able to currently sustain the kinds of new payments that are developing in the United States. We have lagged behind in that area too.
Another issue is that depending on the type of device you want to use, the retailers may have to spend more to have the gizmo on their counter, and they're not necessarily very keen on that. I'm sure the Retail Council, for instance, would be glad to tell you all that in detail.
In terms of consumer protection, the current situation is untenable. We have a number of rules, some in federal legislation, others in provincial legislation, in CPA rules and in codes of conduct that nobody has ever heard about. Contract law in general is impossible to understand, and I would argue that for the benefit of everybody—the issuers, the consumers, the retailers—we need to have some sort of level playing ground so that everybody knows what the rules are. I'm afraid that will entail federal legislation.
It may be that we can at least create a floor. After that, a hundred flowers may develop as competitors may want to offer better protection, etc., but we do need to have a clear floor, and I would argue that it probably comes mostly under federal legislation, but you may wish to have nice long chats with your provincial and territorial friends too. There are mechanisms in place to address issues of harmonization, but there is a reflection to really develop there.