I'd like to get back to Mr. McKay's comment. I'm not entirely satisfied with the answer about the feasibility of instantaneous transactions. Perhaps this is because of my former occupation, because before I was elected I was a computer engineer. I know full well that the transaction could be done absolutely instantaneously; this is not a computer problem, it's purely a banking issue. I'd like to fully understand what prevents transactions in real time rather than in batches or—
