If it's a cheque clearance item, I have to agree with Mr. Conacher that it's done overnight in most cases, so 24 hours would be appear to be reasonable. For other postings, I know that when you pay—this came up in the committee—a credit card bill from an account it seems to take longer. I would like to know from Visa why it takes longer. It seems to me it could be done within 24 hours, but there may be some reason why they can't do that.
In any case, we're looking at much shorter times. Banks are benefiting from the efficiencies of electronic commerce, so we would expect some of those to be passed on.