I'd like to add a final comment, if I may.
A number of good questions have been asked about electronic payments. They were questions asked by a number of members concerning the time that elapses between the moment payments are withdrawn from an account and when they are deposited to another account.
The minister expressed an interest this morning, and that's really something we'll want to take up with members of the Canadian Payments Association. We'll be telling them about committee members' concerns and asking them to look into this matter so that people at least understand what goes on and why it happens that way. In that way, we'll be able to have some certainty about the results.