Not only was there no board decision, but there was also no board discussion. In that sense, what you're saying is right.
If you'll forgive me for belabouring the point slightly, I want to contest a characterization, somewhat.
For businesses on our interchange pricing model, all of those savings have been passed on. The issue at hand is whether a business like Stripe can maintain a blended pricing scheme, where businesses are paying for a basket of products and services, in ensemble. What we're discussing is a reality where Stripe has seen its costs increase in Canada over the past year and where, despite that cost increase, we haven't increased the fees for that blended package. Of course, the products and services themselves have become more extensive.
The Canadian government could legislate, or in some form regulate, how blended pricing is provided by businesses like Stripe. I think it would be worse for businesses. That's closer to how things traditionally were. It's a very complicated, baroque pricing scheme. We could unbundle all of this and try to price all of the different components separately. I think it would be more complicated and worse for businesses. The reason so many businesses have adopted Stripe in Canada over the past decade or so is that our pricing is simpler and the value is higher than it is for traditional incumbents. Therefore, I think this would be a step in the wrong direction.