That's what I figured.
In that instance, I would just mention that for bill payments, it's easily a process that has to go through four systems for financial institutions. The first one is where consumers interact with their financial institution to give the instructions. Then you have the financial institutions that do the clearing, that's part of our mandate. After that, the financial institution of the biller has to then again take the information and credit the account of that biller on an aggregate basis. Then the fourth system is really with the biller itself, who then has to take that information to do the reconciliation. Unfortunately it's not always done electronically. It still relies heavily either on paper or even on e-mail, and therefore it introduces transition into the whole process.