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… different way. It's not about AI or blockchain or the whatever buzzword we want to come about with. The truth of … So for individuals, whether it is real-time rails or whatever, today, Interac does a great job of providing … I mean we've got, I dunno how many trillion gigabytes or whatever the new term. The problem that we have though is …

… secure. But at the same time, payment systems and tools and whatever that can be provided to them that are competitive … for everyone, and it provides better, good services, whatever it is, to Canadians, end users, businesses in order …

… course, that would mean that the members would have to do whatever they need to do to get ready for that. In terms of …

… to the newest HVPS+ plus guidelines. And then if for whatever reason you need some domestically specific …