Ms. Judith Wolfson: As you say, Mr. Epp, the Interac Association is governed by a consent order, pursuant to the competition tribunal, and in addition, we are governed by and come under the rubric, if you will, of the Competition Act and the Payment Clearing and Settlement Act.
Mme Judith Wolfson: Vous savez, monsieur Epp, l'Association Interac est régie par l'ordonnance par consentement du Tribunal de la concurrence, par la Loi sur la concurrence et la Loi sur la compensation et le règlement des paiements.