One of the more significant ones probably is getting the hold period reduced, particularly for people who need that cash flow regularly to pay their mortgage payments, to pay their rent, to pay for groceries, and so on.
We have seen the growth of some of these quick money types of operation in Canada. There's been some concern about their growth and some legislative ideas put forward concerning it. To the extent we can create more efficiency and clear cheques more quickly in the Canadian financial institutions, it will benefit consumers directly, and people will see the benefit of that fairly quickly.