E-transfer today is actually made up of a few components, including real-time components of e-transfer. The majority of our business payments and part of our retail payments are, in fact, real-time, and then the bulk of our system has delays between the user payment and the actual movement of the money. That exists today for fraud purposes, predominantly. The specific time of that window is mostly set by the financial institutions, and it can be anywhere from a couple of minutes up to half an hour. The real-time transactions will usually occur in a number of seconds, but usually under a minute.
