Thank you, Mr. Chairman.
Mr. McKay, recently there was some big news in Canada. We opened up a currency hub for China's currency here, which will be set up in Toronto, so that we can have direct payment in the renminbi and the Canadian dollar.
In terms of e-commerce, I am wondering how it works in the virtual world where people are making sales on the Internet. I am wondering how payment is made. Is that going to make things like currency hubs obsolete, as money is electronically shifted around the world? Do you have any comment to make on currency in the electronic world?