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… because of the rules and by-laws that support them. But how does a payment rule get created? Once it's created, who … by ACH to provide comment. I wish I could say everyone does respond, we try. But we do try and get as much input as … Liz Dempsey: So we've talked a lot about what Canada does and what the US does. But let's bring both countries …

… services including the Innovation Hub's activities. So how does Peoples Group fit into the payment ecosystem? We are a … it works behind the scenes, it's invisible. But when it doesn't work, then there's a problem and that's when it … there are things that are being removed, sanctions. But it doesn't stop money from moving, and it just creates new …