Let me separate online banking from payment services providers. Online banking is in effect a suite of products that provide you with online access to be able to conduct your financial affairs on your account. You can make a deposit through remote deposit capture; you can make a payment; you can make a bill payment; you can transfer funds; you can execute a remittance. Almost anything you can do in a branch you can do online. A service like PayPal does one thing and one thing only. It moves money from you to somebody else. So they are two more than slightly different things.
To your point, one thing we have been very strongly supportive of is providing a robust regulatory framework to capture all those financial services providers and payment services providers like PayPal to ensure that Canadians who use any product or service can do so with certainty that there's a robust regulatory framework that sets minimum standards for safety and security.