I think there are two points to that question. The first is with respect to processing the payments. At the Canadian Payments Association, all of the clearing and settlement is done within the borders of Canada. Even our backup contingency, and our second backup, and our third backup remain within the borders of this country.
If for any reason they all failed at one time and we had to go to a fourth level of backup, it could conceivably be routed through the United States, because that's really where the only other system is. But that would only happen if the supplier of our services contacted the CPA and we subsequently contacted each of the member institutions to safeguard any of the issues related to the Patriot Act, etc. That's the first point.
The second point was with respect to settlement. Settlement in this country happens across the books of the Bank of Canada. The reason it does is so that the bank itself is the lender of last resort. In the event that at the end of the day there was a failure or a systemic failure, the Bank of Canada stands in as the lender of last resort in order to preserve the soundness of our system.