Interac is very committed to working with the Competition Bureau and to answering their questions. We're meeting with them later this week. In their initial assessment, we'll work closely with them.
On the governance structure of Interac, there are 13 directors, of whom six are from designated systemically important banks, or D-SIBs. That's fewer than half of the directors. There are certain decisions, like pricing, that never go to the board of directors. They stay in the independent committee. I'm a member of the independent committee and there are four independent directors.
We have best practice corporate governance in place, which was put in place in 2018.