That is an excellent point, and this leads to the whole topic around fin tech, financial technology.
We are highly focused on doing whatever we can to increase options, liquidity, and access for small business, so we are looking at lending and providing some liquidity to some of these fin-tech lenders. We are looking at peer-to-peer lending. We are looking at equity crowdsourcing. We are frankly quite supportive of anything that will represent more liquidity, more options for small business.
I can't comment on the FINTRAC discussion, per se, but as a theme it is something we are focused on, to use our liquidity to help get the ball rolling and then also to just provide some advice and the perspectives that we have in different jurisdictions to help advance some of these options.