On every e-transfer transaction today, we will score the transaction and deliver that score to a financial institution. They will then use that to make their decision on whether or not to process the transaction, to actually make the transaction. We do that today.
On the RTR and the upgraded e-transfer system, when we go live on the RTR, there will be four main elements. The scoring is one of them. An input to that scoring is what I've referred to as the risk list, which is the index of previously identified fraud. The key element on the RTR is this: The RTR side and the e-transfer side will benefit from each other's risk list. We've already taken a step in that data sharing to try to get ahead of this issue. The next one is something called confirmation of payee, which is that, before you make the payment, it will confirm whether the destination matches what you're intending to send. The last one is reporting, which is post facto intelligence.