Thank you, Chair.
Thank you to our witnesses for being here.
I'd like to start with Mr. Gaetz. I have just a couple of questions for you. You were talking about the emergence of online and mobile payments being a relatively recent phenomenon. The numbers represent a small share of your payment volumes.
Do you have the ratios of those payment volumes, where they stand today, and what the change has been over the last couple of years that you could share with the committee?