I'll lead off with a few comments, and then I'll turn to my colleague Karen Michell.
First of all, I think you're absolutely right when you say that Canadians are enthusiastically adopting new electronic ways of banking. In fact, our own polling and the statistics show that paper usage is declining and electronic usage is just taking off like a rocket. I absolutely agree with you.
I also agree that it's a very fast-moving marketplace and it is really quite critical that we endeavour to keep the regulatory framework as up-to-date, 21st century-wise, as possible. There's no question about that. And that's always a challenge, because there are rules and regulations and process. So I take those two points.
But on your specific point, sir, about the electronic payments and your constituent's question, I'll turn to my colleague Karen Michell.