I would say there is lots of opportunity for government leadership in the area. I'm really glad you asked the question. It is a fantastic role for government to play. Markets in countries such as Finland and Norway continue to squeeze paper payments out of the system and move more to digital, and government has played a lead role in doing that.
One small example is the government purchasing card program. Typically a Visa or MasterCard product is used to acquire many of the things that are bought, and this in turn significantly reduces the cost of making those purchases. The Canadian programs are significantly less utilized than the American equivalent. We would be happy to take it offline and work with you to address that.