Chair, maybe next time we should ask the chief executive officers of all these banks to come in so that at least they will have the answers, because whenever we get the other executives, they always say something is not their direct responsibility and walk away from it.
Again, I think somebody said that the interchange fee is not set up by the banks. It's set up by the credit card companies. As bankers, I want to ask every one of you if you have any.... I guess you wouldn't have any objections if we capped the interchange fee at, say, 0.3% as was done by Australia or 0.5% as was done by the European Union.
Since nobody's answering, maybe I should go back again.
Ms. Douglas, I'm sorry, but you're number one on my list, so you have to answer that.