Thank you very much, everybody, for being here today. I really appreciate what everybody has brought to the table.
CanPay, I wonder if you can elaborate a little bit more her. We, because we're really seeing the lack of competition, true competition, when it comes to the online payment system per se. It seems like Interac owns the highway, and they're the only one that drives on it, for lack of a better analogy.
How do we get more competition in? We see that the big banks are the ones that are basically on the board of Interac, so of course they don't want your company to come in and be another option. Can you talk about what it would look like to try to get either another highway built for companies like yours or maybe even another vehicle on the highway? Can you elaborate on that?