Payments Canada is the owner and operator of the total RTR solution. It's made up of several components. It's made up of a clearing and settlement component. It's made up of a brand new exchange. That exchange has leveraged Interac's expertise in e-transfer for the last 22 years by putting a modern architecture to it and having Interac as a provider in that regard. Interac's e-transfer will convert to use the new clearing and settlement engine that has been built.
It's not so much a vulnerability as it is an opportunity we have here. The protection against fraud covers even the in-market solution that's been there for 24 years, including building on what we've learned from e-transfer and giving it an uplift with the types of extra features we're adding to it. Our rules allow for a wide scope of those mandatory fraud controls.