Thank you.
Perhaps, as I ask other questions of you, Mr. Cochrane and Mr. Paterson, you may also have answers on some of the legal barriers that you see.
First, Mr. Paterson, we saw in Canada a very quick adoption of debit cards, much quicker and much wider than in the U.S. It's interesting to ask, are we already behind in e-commerce adoption in terms of...? Are we going to be quicker than the U.S. in adopting things like M-wallet? These are interesting questions.
Also, one of the phrases you used was that e-commerce translated data into intelligence. I think that for a lot of consumers, that's exactly the worry that they have. For instance, I forget who mentioned it, but on your smart phone, along with information about your bank account or credit card accounts, you'll also have other information, such as your licence. Here I mentioned several accounts, as you're probably going to have more than one account, because I can't imagine the technology not being invented to provide for several different credit cards or bank accounts being on the same phone.
Obviously we're aware of, and have even seen this year, major companies being hacked into and the private information of Canadians being accessed and stolen. How can Canadians be assured and comfortable with this, so that we can see e-commerce moving forward? How can we see people being more comfortable about the security of these systems?