I'll start off.
We hear in our community about new options for online commerce, such as Google Wallet. The word on the street, according to some of the rumours, is that they'd like to provide free or low-cost services in that regard.
I guess our hope is that in exploring this, there wouldn't be anything in the regulatory or legislative framework that would prevent that. That would encourage more choice in the marketplace for small business in particular, because one of the barriers for small business can be the cost of banking fees and so on.
So we are open to seeing, and would look to, anything that would create more competition and choice for consumers and business.