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… to recover and get past negative financial events. So how do we help people build financial resilience? Well, the ability to build financial resilience does not lie in the hands of the consumer alone. It depends … impact their wellbeing, their financial wellbeing in the long run. Most people would say saving money is a good …

… related to the regulation of payments in Canada. Including how broadening access to Canada's payment systems will … services, and, and we held that responsibility. I could no longer, you know, push back, have a push back to someone … Is it a good thing? Is it a bad thing? I mean, that doesn't really matter, but it's really just to get your, um, …

… message between ourselves between the UK and and to Canada, how do we get the information there, if there's not the … these are the fields you should take. These are perhaps how long you should band the data for, these are how many … very fixated on versions. And versions are, when ISO 20022 does its annual cycle, it will come out with a new version …

… world with the customer in the centre were key themes, along with resilience and the security of Canada's payment systems and of course how far we've come and how bright the future truly is for … using the customer lens and really thinking hard about what does the future look like and what audacious goals you can …

… about 23 per cent, were concerned. To give you an idea of how this sentiment affected Canadians' payment behavior, … that eliminates the checkout process, so consumers no longer have to wait in line to pay for their purchases. For … So my last question, Stephen, before we go, is what does all of this tell us about the near-term future payment …