Thank you, Mr. Saxton.
I want to come back to this briefly with you, Mr. Hannah, and then we'll go to Mr. Rankin's motion.
You do make, it seems to me, a valid argument with respect to the shadow payment system in terms of it needing to be regulated and in terms of the need for an industry-wide standard that would apply to it. Just for clarity, it seems to me that the RCC recommendation that a standardized platform be defined for mobile applications, which I assume would apply to the shadow payment system as well through the FinPay committee, would address the concern you raised about the shadow payment system.