Thank you.
We're looking at fees here on financial transactions, and the big banks own Interac. Interac, per your admission, says that it charges a volume discount to the big banks. Interac is the dominant player in e-transfers, so don't you think it is a little sus that the competition commissioner never looked into the fact that banks—you guys—would not be motivated to move to a flat rate, to look for ways to enhance competition in the e-transfer business and to reduce Interac's dominance? As a very simple question, is this something that the competition commissioner should be looking into?