The key thing we have done is take a case all the way to the Competition Tribunal to try to deal with the rules in place with merchants that we viewed as driving these prices higher and having an adverse effect on competition in the market.
As I said in my opening, unfortunately we were not successful before the Competition Tribunal in that case, but they did recognize the problem. They did recognize that some of the merchant rules at issue in that case had an upward influence on interchange fees and other card acceptance fees, but importantly, in their decision, they said that even if we had won the case, they would not have issued an order. They would not have decided to remedy the issue under the Competition Act because the Competition Tribunal viewed regulation as the more appropriate fix to the issue.