I have a very quick question, Mr. Chair.
I'm not disputing the organizational structure. I am concerned about market dominance. I think that's the issue of concern within this committee. One quick solution would be to require divestiture by the major players so that it's an independent corporation.
How much would you attribute the asset base of the current organization to its legacy software and hardware? You are the infrastructure and ecosystem for these types of payments. How much in legacy costs have been recovered or are yet to be recovered? Also, how would you address market dominance? Go to the market dominance question first.