I'm just going to follow up on what Mr. McKay was asking, about comparing the credit card and the Interac model.
I had Mastercard representatives in my office last week telling me about their system. As I recall, Mastercard and Visa are more of an intermediary between banks, vendors and individuals, whereas Interac has sort of a direct line into your bank account. I'm just wondering if that adds more risk to a transaction, having that direct line into your bank account, whereas the other ones seem to be having more layers where security could kick in. Maybe it's the other way around. I don't use Interac a lot, and it's not because of this, but I'm just curious as to this direct access to your bank account. What sort of security questions come into that?