What I would say is that there is an incentive for the banks and all financial institutions to ensure that there is an incredibly efficient, but also safe and secure system. We need to bear that in mind.
Canada's payment system is unparalleled. It's one of the best in the world in terms of efficiency. That's why currently, when people here participate as billers in the CPA's rule H6, for example, they do say that if you pay the bill on a certain date, they will put it to your account on that date. Cheques are another good example. You get provisional credit in the vast majority of cases right away.