Finance committee  I just want to say that it's not our downloading. The payment brands, Visa and MasterCard, have announced liability shift. It's something that's being done and we're part of it.

Industry committee  I just want to say that it's not our downloading. The payment brands, Visa and MasterCard, have announced liability shift. It's something that's being done and we're part of it.

Finance committee  Yes. From a Moneris perspective, we do have confidentiality provisions in our terms and conditions, and those relate to the terms in our contract and also with respect to pricing.

Industry committee  Yes. From a Moneris perspective, we do have confidentiality provisions in our terms and conditions, and those relate to the terms in our contract and also with respect to pricing.

Finance committee  The purpose of that is to ensure, from a competitive standpoint, that our merchants are negotiating with us. I guess to the extent that the information is no longer confidential and over the course of time it becomes public, it wouldn't be continuously subject to that provision.

Finance committee  Our price is different from the interchange rate, if that's what you're referring to.

Finance committee  I take your point, and I think the reality is that with the now-public information regarding interchange rates, consumers are increasingly aware of the cost. As we've said, the biggest component of our price is interchange, and that information is now public, so it's perhaps more

Industry committee  The purpose of that is to ensure, from a competitive standpoint, that our merchants are negotiating with us. I guess to the extent that the information is no longer confidential and over the course of time it becomes public, it wouldn't be continuously subject to that provision.

Industry committee  Our price is different from the interchange rate, if that's what you're referring to.

Industry committee  I take your point, and I think the reality is that with the now-public information regarding interchange rates, consumers are increasingly aware of the cost. As we've said, the biggest component of our price is interchange, and that information is now public, so it's perhaps more

Finance committee  I have a point of clarity that might help. The instructions will actually be on the card. When you get your debit card, the card will already have been predetermined in terms of a debit card from a MasterCard bank that's also offering Maestro. The card will be predetermined in te

Industry committee  I have a point of clarity that might help. The instructions will actually be on the card. When you get your debit card, the card will already have been predetermined in terms of a debit card from a MasterCard bank that's also offering Maestro. The card will be predetermined in te