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… time, and also what was most interesting was looking to the future, what Tracey's views were, and how I saw the future of payments in Canada. And so we connected on that … experience and hopefully some of the vision we have for the future. Tracey Black: And thanks to both of you. Thank you …

… and figure it out. What about open banking? What about the future? What's coming next and what do we have to look … as the retail side. We talked about what's possible in the future. About some of this complexity coming together or … But, what I'm going to ask you now to give us a view of the future. Your level of optimism or what what it would be a …

… Payments Act , the Retail Payments Activities Act and future regulations and policies around emerging trends like … supporting Canada's competitive advantage today and in the future. The open letter to the Minister of Finance calling …

… bond amortization schedules, Equity Index Roll Dates, futures rollover dates, etc.) have its clearing agent …

… before we wrap this up, let's look further ahead to the future. Do you see the interoperability charter being applied potentially to other payment systems in the future? And if so, what could that look like? Liz let's … changing payments landscape, the needs of Canadians and the future of modern payments. …

… materializes? What do you think about the current and future prospects for business payments processing in Canada? …