Yes, absolutely. We're supportive of the expanded membership options, as I mentioned in my opening remarks, for Payments Canada for credit unions. That's not necessarily going to be a realistic option for all provincially regulated financial institutions, but it will give a certain segment of our membership more options with regard to access to Bank of Canada liquidity facilities and other things.
Real-time rail is another important process for the sector. Like open banking, it's dragged its feet a little bit over the last number of years, and there are concerns with regard to the uncertainty of the timing of when that will be implemented. We're hoping for some further clarity next week on that in the budget and perhaps some further direction from the government on where they see that rolling out over the next couple of years.