Thanks very much.
It's great to see such a fantastic panel here today.
My first question is for Aidan or Brian.
I have spent a fair bit of time looking at this. I'm no expert—that's for sure—but I can think of one basic application.
I've known Brian Masse for years. We're good pals and our office is on the same floor. With regard to practical purposes, as we sit here in Canada, we are some of the luckiest people in the world. We don't have to worry about a lot, but there are people around the world who don't even have bank accounts. I think it's two billion people around the world who don't even have the ability to get a bank account.
Brian or Aidan, could you comment on the ability that this might give over the next number of years for people who are unbanked to have a bank and transact? Could you provide some comments on that?