We think it's a very exciting time. We're seeing the development and adoption of new payment systems around the world in places like Switzerland, Sweden, India, Brazil, Thailand, etc., where central banks are building these real-time, bank-based wallets that are instant and close to free, creating much more competition in the marketplace and creating enormous consumer benefit.
We're generally seeing a lot of adoption. Stripe is very enthusiastic about this. We would love to see more competition in the marketplace thanks to these systems, and we really support any Canadian efforts to bring that about.