Okay, so this is exactly what's wrong with the entire payment space.
By the way, my understanding is that when this volume price scheme was implemented, there were only two financial institutions that met the highest volume threshold, that is, Toronto Dominion, TD, and RBC. Lo and behold, who was the co-chair of Interac's board at the time that these volume-based pricing schemes were implemented? It was TD and RBC. Then you wonder why there's a slowing and a delay in real-time payments. Is it because there is an inherent conflict of interest on the board of Interac that they don't want to move away from volume-based pricing and give smaller financial institutions an opportunity to compete on a fair level?
Do you believe you're in a conflict of interest, sir, in your role at Interac?