I have two quick responses.
I have looked at several studies, including the Bank of Canada study, and I have looked at it with a couple of chartered accountants from the school. I believe that every study that's been done on the cost of payments has radically under-estimated the cost of cash, because they have not factored in the cash custody required—safes, two people counting the cash, and so on. I think the cost of cash, although I can't give you a number, is probably double or triple or quintuple, because there has not been a full cost-benefit analysis using the kinds of techniques that the PBO has used, using full cost accounting. That's my response.