This question may be better directed to Mr. Gavsie, as the banker among us, but certainly from the finance perspective, indeed they would be served by this facility—I would think of it more as a facility than as a hub in a physical sense—and that would be through the ability to go to their bank and transact.
For the moment, and I think this has to be understood, the renminbi trades through the U.S. dollar. In other words, the currency pair is U.S. dollars-renminbi. They would be exchanging Canadian dollars for U.S. dollars and U.S. dollars for renminbi. That's the way the market would work.
As it develops over time, the prospect exists, if there is a deep enough and liquid enough marketplace, for a direct currency pair of renminbi transactions for Canadian dollars. At that level and at that sense, where you're eliminating spreads, you would have very direct benefits for smaller businesses that are paying this 5% to 8% that Mr. Gavsie referred to.