Okay, great. I'm going to take it that all of you will agree with that. I think it makes sense.
Do you support the lowering of those interchange fees given the fact that merchants would save money? That's a thing that our government.... You've all said that you do not set the interchange fees, and that credit card companies do that, or the networks do that, as you call them. Would you support the lowering of those interchange fees, then?
I'll go to CIBC first.