The changes are aimed primarily at introducing a more balanced governance to the Canadian Payments Association and stronger oversight of critical market infrastructures, so I would say that there are two main areas. One is ensuring that any market infrastructure, and by that I mean Canadian Payments Association as a market infrastructure, clearing essentially all of the value of payments every day in the economy, and other market infrastructures such as securities, Canadian depository securities, and derivatives market infrastructures, have the kind of oversight that they should have to ensure that they operate safely.
The other aspect of the changes relates to having a balanced view in terms of how we move forward with modernizing the payment system in Canada, a view that balances the public policy objectives of safety, soundness, and efficiency, and meeting the needs of users.
Those are the two main areas.