I appreciate your question. I would mention that there is a role for codes of conduct in the regulatory sphere, because they can be changed quickly. They're adaptable to different circumstances.
The agreement, when it comes to interchange, just to reiterate, was between the government and the networks, not involving the banks. Certainly, yes, the banking industry is highly regulated. There's a lot of legislation. There's the consumer protection framework in the Bank Act. There are many provisions that they comply with.