Second, I'll address the Canadian Payments Association.
Mr. Gaetz, you said it and you have to actually repeat it. Last year the CPA cleared and settled $44 trillion or $170 billion on average every business day, and you almost said it modestly. That is an astonishing achievement for your model and obviously for your organization.
One clarification in follow-up to the other questions you've had is you pointed out that, at a minimum, two of the member directors should represent member institutions designated as domestic systemically important banks, a category of institution that collectively accounts for over 80% of payment transactions in CPA funding.
So in terms of the voting, just to clarify, the large institution carries the same vote as a smaller institution, but in order to address the systemic issue, two of the directors will be from the larger institutions.
Can you address that issue?