We do take care of the cheque clearing process as well, and in fact we're moving towards electronifying that. That's a huge initiative being undertaken today by the CPA and its member institutions. But there's really no direct parallel between the bill payment side, the electronic side, and the cheque clearing side.
Let me go back to the bill payment side. I think you suggested that when you make that payment, the funds come out of your account. Is that correct?