Skimming, for goodness' sake.
For my part, we've had five branch closures in my riding and three openings. In all instances, the banks replacing the ones that were there are better, bigger, and more efficient, and a couple of them have drive-through facilities, which I like.
I want to go back to Mr. Legault and feed off Mr. Wallace's question. Were you saying that effectively, if you folks as a payment system and the banks as a particular group within that payment system agreed on a voluntary clearing arrangement, the posting and payment would be simultaneously recognized for this specific group of banks and this specific group of creditors or payees without legislation?