Well, it's great to be a member of that under-35 group, and if I had 50 minutes to ask questions here, I still wouldn't get through them all.
Mr. Cochrane, you were talking earlier about new entrants in the area of mobile processing of funds. With respect to telecom and tech companies, of course they're getting into the financial side of things, and we certainly don't want cumbersome red tape. But where do you see the balance being in regulation to ensure high standards, as we have with our financial institutions, while not being cumbersome and preventing them from getting into the market?