Okay. I appreciate that.
The other thing is that a small business, for example, may have very large cash transactions, particularly retail businesses where they're operating with large lines of credit. They're paying interest on one side and they're waiting for money to come in on the other side, and this cycle tends to go on and on.
At the end of the year.... Even though you get a fax that says the money has been sent or you get an e-mail saying that funds have been transferred, you may wait three or four days for those funds to arrive in your account, which means you've paid four days of excess interest on your account. It can be quite costly. In fact, it can be thousands and thousands of dollars at the end of the year.
How can we tighten this up? Is there an incentive for the banks to tighten this up, first of all? Secondly, if so, how do we do it?