The remittance corridor studies that Finance Canada did through or in partnership with the World Bank looked at those issues to some degree. Alan Simmons at York University did a very brief bit and I did a survey of recipients in Jamaica and that gives some ideas on ways to look at the cost. But again, in terms of not reinventing the wheel, this work has been done extensively in the United States. The markets do not differ so significantly or to any degree that the work there would be not be applicable here.
A lot of the work in reducing costs has already been done. The systems set up by the Inter-American Development Bank and by groups like Fonkoze are already in place and are being used in Canada. It's simply a matter of making sure that groups here have access to these systems.