I've been looking at the model. It's actually quite good. SWIFT has adopted a model wherein they publish the security standings of all their counterparties, as they call them, not from a creditor's standpoint but just as a counterparty to the system. It's a good model that we quite like.
That allows each of the participants in the ecosystem.... If you're a financial institution or a caisse populaire and you see a lowered security level that's not quite at the standards, you can mitigate or limit your risk to that partnering financial institution. They've implemented some really interesting things in the past year.