Thank you for that question. I was looking for an opportunity to say something about this.
One of the initiatives that we have launched and are working hard on is to adopt a global payment standard for Canada. We're starting with our core systems. That will then roll out to our members, and we really would expect that to roll out over time to the rest of the Canadian economy.
The idea is to have some standard information flow with the payment. We're working on a scheme to have a small set of mandatory information. When I say “mandatory”, I mean we'd be saying that all our members should adopt that standard set of information. The expectation is then that could start to be used by large and small business, but small and medium-sized business could start to use it to link into their invoicing systems and their accounts payable and accounts receivable systems in a way that they can't today.
So we think this is very important.