I'm happy to answer the question for Visa, if that's helpful.
I think you've heard from all of us here today that the market is fairly complex and there are many players involved in really any transaction. There's the issuing bank that provides the card. There's the acquiring bank or payment provider that provides services to a merchant. Then there's the network that sits in between, and there can be more players, as well, depending on what the transaction is.
Interchange is the fee that's paid to banks, and in Canada overall those rates are 1.4% on domestic credit card transactions. That includes point of sale and e-commerce. The new reductions that are going to be put in place for small merchants will produce an average of 95 basis points, or slightly below 1%. Some of those transactions will be above 0.95%. Many of them will be below 0.95%. The overall average will be 0.95%.
You also raised network assessment fees or the fees that Visa charges.... Oh, I'm sorry.