Those are really very good questions, because they go right to the heart of what the process is for clearing cheques, for instance, or what the process is for electronic payments.
I'm going to turn to my colleague Karen in a moment, but we're talking here about quite a sophisticated technological system. If we went back 20 to 30 years ago, when we had banks open from 10 until 3 Monday to Friday and there was none of this, the range of payment options and transactions options has increased enormously since then. Having said that, some basic principles about how cheques clear and so on still have to be followed. They can be improved and automated, but maybe I'll turn it over to Karen.