That's good. I will let you complete...on the interchange fees because you heard the responses, and you deserve the right to respond to that.
I guess my concern is what I've already heard here, which is that, you know, we've all had to adjust our behaviour out of necessity with regard to the pandemic and subsequently thereafter, but it appears that this industry has not had to adjust with it. That's my concern for other parts of the economy.
You mentioned rates in Australia, the U.K. and other interchange things. Perhaps highlight how to actually pass those savings on, because, as we're already hearing again and as I've heard before, if we lower interest rates—and it's funny because you can actually have people call and get lower interest rates at different times—they'll just increase fees somewhere else and, hocus-pocus, your savings are gone. The bogeyman's out there, and it's going to cost you more, so we just can't do anything. We just have to accept the situation that we're in right now.