There are two sides to this. The first part is the lack of access by other providers. In the U.S., if you are an alternative payment provider you can provide fees to a merchant as low as 1%—I know that's what we charged—compared to 2%, or compared to Canada at 3.5% or 4%. So there are many competitors. In the alternative payments space alone, I can easily list 20 competitors, so this is very competitive. That's one part. Access should be opened up to allow more people to compete.
On the second part, in the U.S., with the Durbin Amendment that just recently passed, they are limiting the ability of the banks to charge debit card fees. Debit cards used to be at par with credit cards. Now they are no longer allowed to do that. You go from 2% to whatever, and now you're in the pennies, because there are different risks and issues associated with debit cards.
There is room for both in Canada. Unfortunately, we have limited access and limited regulations, as far as the amount of fees that can be applied.