I think those are both very good questions.
If you look back at Canada in the last ten years, we've made major investments in infrastructure, major investments in Internet accessibility. As my co-speaker Bernard Lord indicated, I believe over 90% of Canadians have access to high-speed Internet capabilities.
If you compare us with other countries, what you'll see is that Canada has a very solid infrastructure that enables people to do e-commerce from their homes and workplaces very effectively. So mobile devices were not used as much for commerce in the last number of years.
I know I can go home and do banking at home with great ease, with very little difficulty. With the chip card technology and the debit card technology that has been in place in Canada for a long time, I've been able to swipe a card and make those payments very easily in Canada for a long time. We have a very sound, stable infrastructure that enables this.
But this is now disruptive and here we are with our existing infrastructure. This creates a disruption. So we're watching other countries very quickly move into mobile technology, while Canadians are still quite comfortable that they have the capabilities they need at their fingertips. That's why, when you ask executives about Canadians and what will cause them to switch, they say that it has to be really easy—even easier than using the debit card of today.
So we're in a different space from what we see in Europe, and certainly different from Asia, from that perspective.