I can't speak to interchange, but I can tell you right now, regarding the first part you're talking about, what you're observing is authorization. There's real-time authorization, but the money moves between institutions over the payment system and right now, unfortunately, that tends to happen overnight.
We are working to resolve that through the real-time rail project with Payments Canada. I'm sure you've probably heard something about that, but if not, certainly there's more that could be discussed.