It's a great question. SWIFT is a global organization that has started early days in that. I would absolutely suggest that Interac would be an appropriate place as well. We currently run our operating regulations and minimum standards, whether they're security standards or participant standards, for all the FIs in our ecosystem.
We have a very robust governance policy and operating regulations in market today. We're looking at how we can enhance those in-market regulations every day. The participants eagerly participate in the marketplace and adhere to those regulations because what it gets them is reciprocity of payments and access to the ecosystem.