Thank you for the question, Mr. Gaheer.
The reason I asked Mr. Leman to speak is that he leads interchange and pricing for us for Canada. Ultimately, I think we're very proud of having gotten to where we've gotten to, which is a 24% reduction over the last number of years.
We sit in the middle. As we were saying earlier, it's a job for us to balance the needs of our issuing banks with the needs of our acquiring banks from a merchant perspective. It's a delicate balance and I think we've reached a level where both sides are relatively maximized. I think we're proud of that.