Industry committee  Absolutely. It's mastercard.ca. But it's a little more complicated. You have to type “/merchants”. We'll get it to you, absolutely.

Industry committee  They're banks, both merchant banks and cardholder banks.

Industry committee  It's a two-sided equation. You have a cardholder, an issuing bank, and MasterCard on one side. Then on the other side you have a merchant, an acquirer, and MasterCard.

Industry committee  To answer your technical question, it's the bank that's in control of that document and they have to comply with the law. However, we do play a role. We recently worked with the FCAC to come up with a model disclosure, because we thought the typical practice could be improved.

Industry committee  I think you can. I think this process has produced that.

Finance committee  Yes, there are several...[Technical Difficulty--Editor]

Finance committee  There are two pivotal works on this. One was done by the government accounting office in the United States. There was another work by the CRA. We provided copies to members of Parliament, but we will resubmit them to this committee, if you'd like. Both of them show that prices di

Finance committee  Absolutely. It's mastercard.ca. But it's a little more complicated. You have to type “/merchants”. We'll get it to you, absolutely.

Finance committee  They're banks, both merchant banks and cardholder banks.

Finance committee  It's a two-sided equation. You have a cardholder, an issuing bank, and MasterCard on one side. Then on the other side you have a merchant, an acquirer, and MasterCard.

Finance committee  To answer your technical question, it's the bank that's in control of that document and they have to comply with the law. However, we do play a role. We recently worked with the FCAC to come up with a model disclosure, because we thought the typical practice could be improved.

Finance committee  I think you can. I think this process has produced that.

Industry committee  Thank you for your questions. It actually gives me an opportunity to make a couple of statements about the testimony from earlier this week. I think there's no doubt that if you live through this experience that we've lived through, you have to ask yourself if there has been a

Industry committee  Let me clarify something. We had our interchange rates on the web, in the open, for three years prior to last September. We refined the system prior to last September as well, because we knew we were adopting a more complicated regime and that too much information was as bad as n

Finance committee  Thank you for your questions. It actually gives me an opportunity to make a couple of statements about the testimony from earlier this week. I think there's no doubt that if you live through this experience that we've lived through, you have to ask yourself if there has been a