Further to that question about balance, I'm just thinking about how there's a lot of talk when we're dealing with issues like this about the challenges, and obviously we want to find solutions to challenges. We want to try as a government to do everything we can to create a tomorrow that's better than today, I guess, in virtually every aspect of what we do. So naturally we look at some of the challenges and try to see if we can correct them.
One of the things that oftentimes is missing, I think, from the discussion when we deal with payments is the incredible opportunities that come with this new technology. Here we are as a committee right now addressing adoption of digital technology by companies and here we have this incredible world that is being opened up by new technology, in terms of payment systems, and we're not really discussing the opportunities presented. There's an opportunity, for example, for someone to start an Internet business and start accepting payments in their basement office. That's a world that was never open to them before.
Could you maybe speak to some of the opportunities that are presented to your members by these new technologies that are arising?