With the lack of competition—the complete monopoly—we know and we've heard here at the committee that for some reason those who are on the board of Interac seem to have a much lower cost than those who are not on the board of Interac. I wonder if you could comment on that monopolistic practice.
Also, when that movement of money happens around the world, what kinds of things are people in other countries getting access to in terms of services that we cannot get here, where we're sort of operating on a 1980s system?