I would say that, based on our previous Interac consent order, which was from 1996 to 2020, one of the issues was putting in what we call behavioural safeguards to protect.... Because Interac was made up of the charter members, which were eight banks and a credit union, there needed to be an independent committee that dealt with some of the pricing issues.
As I alluded to in the opening, I think it would be paying attention to the governance models of these systems, which is not necessarily a bureau thing until anti-competitive conduct results. For example, it's about how the real-time rail will be governed and all those issues.