Yes, and you're naturally going where I wanted to drill down in my remaining time, which is the pricing model. You've said very clearly that many of your customers—you've claimed it's already most of the transaction volume in Canada—that pay you directly already have price savings. Those price savings have been passed down. Those interchange fee price reductions that were negotiated by the federal government with agreements have been passed down.
It's your blended pricing specifically that we're digging into. I think it's hard for us to understand. Your business model and the structure of that pricing are not fully clear to me at this point. What I'm hearing from you is that.... My tendency is to ask, just as Mr. van Bynen did, why you can't hand down the price decreases in that blended pricing structure. Why not? That's what makes me a bit concerned. It seems as though you're not complying with what the federal government has been asking of you or that has been communicated to you with a clear expectation by the federal government.
Help me understand that. Really distill this for us, because this is where we're going to keep pushing you. I understand what you've said today. Keeping this fee structure stable has value. I think having a bundle of services has value. I get that. I understand that as a business person, and as a customer, I can see how that could have value. However, it still doesn't explain to me why you can't hand down a price decrease if the expectation has been clearly communicated by the federal government.