Interac prices e-transfer on a wholesale basis. It's what I would call B2B2C—business-to-business-to-consumer. We're the business-to-business part of that.
In 2025, we will set a flat rate, and then the 230 participants will take that rate and make their own commercial decisions. Those commercial decisions will be highly complex, I'm sure, but they make those decisions. We don't have insight into that.