Ideally, it would have been implemented a few years ago. I mean, when it comes to instant payments, the project has been delayed several times over the past decade.
The RTR was first announced in 2016. The original launch date was 2020 to 2021. It's been delayed several times since then, first to 2023 and now to 2026, and 2026 isn't even a launch date. It's just the year in which the industry will test its ability to use the RTR. We still don't have a launch date in sight for Canadians to benefit. We need this yesterday.