That's great, but you were looking at it for a year, and we're a bit delayed. Again, when there's a secret ownership structure and a governance model that may or may not be relied upon, the public will look at it and say that of course there are delays, because the ownership structure might force there to be delays.
In any event, you brought up prominent payment systems. Is Interac in full compliance with the current standards set out by the Bank of Canada?