Thank you.
Ms. Mitchell, I want to go back to a point that was brought up by Mr. McKay a little while ago, specifically with regard to electronic transfer of payments and so forth. Specifically, he mentioned credit cards. There are others, such as the electronic transfer of funds, say, from banks to small businesses. They often take a couple of days to arrive in an account, subsequent to receiving payment confirmation from the bank. You have indicated that it's a complex system, but it doesn't seem to me that there is any incentive for the banks to work on this problem, since you're really making interest on the fact that you're dragging your feet on it. It sounds like it's pretty profitable for the banks, from my perspective.