There are standards. There are different standards for different technologies. As mentioned today, when we talk about mobile payment, there's more than one technology. We see different partnerships being established between some of our members and other businesses in the community to enable Canadians to use the technologies, whether mobile wallets, mobile payments, or e-commerce. When you talk about the e-commerce you can do from your desktop at home, Canadians want to be able to do that on their mobile phones. The technology is there. But when you're talking about near-field communications, that's being put in place now.
I just want to come back to one comment you made. You said that some of us are still trying to figure out how to program the clock on our VCR. There's a whole generation out there trying to figure out what a VCR is. When we talk about the adoption rate, that's what we're seeing. We've done some studies. There's a big difference between those who are 15 to 35 and those who are 35 and older. Those who are 15 to 35 want to be able to do everything from this device. And those who are 35 and older, as with many other things in life, tend to be a little more cautious. They're used to using the card with the magnetic strip on it. They've used it for years, and it has worked well. They trust it. Young people are willing to embrace new technology. So there is not only a digital gap but also a bit of a generational gap. We've seen it in some of the research we've done.