Well, I guess we're taking a little opportunism here to say put it in the Bank Act, because now is the chance to put it in the Bank Act, but the banks touch so much of the electronic payments that we thought it would be an appropriate place to start.
Ideally, it would apply to all financial institutions, of any kind, and any transaction. But to be honest, you're going to cover 85% if you do it through the Bank Act. So, yes.