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… systems integrator. We're going to build the C and S, the clearing and settlement engine. We're going to work with … ready for production and operates very seamlessly with the clearing and settlement solution. Secondly, we're partnering … doing here because it includes how do we bring real-time clearing and settlement to e-Transfer? How do we build the …

… services provided. In addition to the routing and central clearing services that command a fee, issuer banks provide …

… there's always a long tail on these things. We talk about cheques a lot. We're seeing a pretty significant decline in cheque writing, personal cheque writing. There's still a significant number of …