Okay, perfect. I'm just trying to figure out how this all works in the big scheme of things.
Earlier tonight, you mentioned that 20 million transactions happen every day. If you went from $100 to $50 and then down to 15¢ per transaction, we're looking at about $3 million a day. I'll be honest with you. I tried to use my calculator to figure out what that would be in a year, and I'm pretty sure that's over a billion dollars a year in fees back and forth, so I'm trying to understand where you're coming from.
We're talking about how fees are not regulated. We don't know what the numbers are and what you're offering when going from your volume-based tiers to this flat-rate fee. How can Canadians believe that they're paying a reasonable fee that isn't padding pockets when you guys reported a 13% profit last year?