I think the starting point is ensuring that there is a common standard. If I look at today, there are federal regulations that we need to adhere to as a bank to ensure that money laundering and terrorist financing isn't occurring. If you look at other players that enter the space you can set up the ability to move money from one account to another account without any regulatory oversight, without the need to hold capital such that there is actually protection for the client.
In our view, as payments go more digital, you create a new set of risks, so that both the consumer is left unprotected, and the state is also left unprotected in that it's in no one's interest to see money laundering occur or to see terrorist financing occur. Ergo, we would recommend standards and policies that are designed to uniformly counter that.