I agree with all of that. I just don't want the bottom 5% to have to subsidize the top 95%. That's my worry. Interac is adopted by a lot of users in Canada; you have a lot of participants. You have all the big banks. You were founded by the banks. I think there is heft there. If you throw that heft around, there could be an arrangement where the final end-user sees a reduction in fees.
