I've been very open as to our governance challenges and the challenges of any association model where an organization is governed by its very users. It's tremendously difficult to gain consensus, and it moves at the pace of the slowest. I think it's important to note that the board itself has acknowledged this in their recommendation and support of the proposal to restructure the organization, which could be managed by an independent board. They've also had the foresight to set up an independent board that is now looking at many of the aspects of the future restructuring.
Now, let's remember that the Interac Association's board was instituted by the consent order itself. Under our memorandum of association, each board member has a contractual duty to operate in the best interests of the association. We regularly remind them of this obligation, and under the governance model I have, I must operate under the belief that they are adhering to this obligation and that they take it seriously.