Thanks, all of you.
Before I turn to Mr. Albas, on Francesco's question to you, Mr. Binns, there's no question in the Department of Finance discussion paper that they are pushing for what they call “a spectrum of regulatory options” on the white-label automated teller machines. They argue that law enforcement continues to express concern with regard to the WLATM industry, including the use of ATMs by organized crime groups in Canada. The paper then goes on to talk about how the Province of Quebec has introduced stronger regulations for that industry.
What's your comment on that? I think you indicated that it's really a false argument, but is there a different regulatory requirement in the province of Quebec than in the rest of the country? I don't know, to be honest. What are your comments on what the discussion paper is arguing here? This is one of the areas that we have to look at pretty closely.