I can't speak for Mark and his actions.
I will very briefly say, on the small business point, that the revenue we make from businesses in Canada on a per-business basis has declined over the past year. Any of these small-business interchange changes are more than outweighed by the tax increase, so we decided we would just accept that. We think it's better for businesses. Even though our margins have gone down slightly, we believe in offering a stable, predictable price. That hasn't changed, even though it's actually slightly less profitable for us than it was a year ago.