Thank you.
Mr. Littler, I'll go to you because that statement on interchange fees in Canada surprised me. We've obviously done some research, but we haven't reached the same result. As the saying goes, however, the devil is in the details.
Have you made the same observation, that Canada and Canadian businesses are duffers when it comes to interchange rates, that we're in the middle of the pack and that there ultimately aren't that many fees in Canada?