I'm not exactly sure about the timing. The Government of Canada started providing loans and grants directly in 2000. Before that, the money went through the banks. To the extent I know, when we introduced direct depositing in 2000, many of our clients did not want to receive money online, but more and more of our clients have been receiving their money via electronic direct deposit. Right now, as I said, it's a big majority of our clients.
On November 7th, 2013. See this statement in context.