I think we have two choices.
We can create an alternative to Interac that functions as a utility for the entire industry, with regulated payments and a framework where they need to open it up to others to be able to tap into it. It has to be regulated. The biggest thing is fraud, of course. You have to monitor fraud.
The other choice is to do that with Interac and to make sure they are allowing others in to review how their fee schedule is structured—similar to a stock exchange, if you will. A stock exchange is a public utility. The fees are regulated by the Ontario Securities Commission, and they have to allow access to regulated entities to be able to do what they need to do in order to interact with consumers.