Fair enough about the open banking, but I'm talking about the places that are on corners. I don't want to give any names specifically, to be picking on any names, but I'm talking about the places used by people who don't really have bank accounts and who are bringing in a cheque and getting their money back at whatever the interest rate is. These are not banks, then, so they fall outside of those regulations. I'm wondering if you have any comment on that with regard to privacy issues.