This goes back to the issue that was raised earlier as well. Karen was talking about the move to reduce the cheque holding period. You're talking about online payments and so on, and it's a fair point. I think what's happening here is that the Canadian Payments Association does have this system. It's called rule H6, and if you are a biller or a financial institution that participates in that—by which I mean that you've registered with it and you satisfy the system requirements for interchange and all those sorts of things—then you have to abide by the rules of that. It still takes a little while to process it, but it's credited to the account that day. The challenge is that there are a number of billers out there, either for technical reasons or whatever, that are not part of that rule H6.
We understand that the Canadian Payments Association is aware of this issue as well. They run that system. They're looking at ways to consult on it in order to address the issue that you're talking about. So we understand your point.