Thank you, Mr. Chair.
Thank you, witnesses, for your presence at committee today.
Mr. Hines, I'd like to begin with you.
Payments Canada was here a few meetings ago, and they talked about their RTR, real-time rail, system coming out later this fall, which will speed up transactions.
Currently, we don't have that system. We have a system that is slower. How much slower is it? What would a typical time for clearing be?