Yes. It's predictable. You can make something predictable by making it an excessively high flat rate. That's predictable, but you're the only player that....
Are you that inefficient? Mark Carney sits on the board of a company that is less efficient than your competitors in that you can't find a way to pass on this minuscule thing? Are you really that poor in your technology relative to your competitors, who can do this? Or is it that Mark Carney is trying to undercut the current finance minister?