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… ahead, things that have to be solved like open banking and rules, regulations and RTR infrastructure being in there, … well, we've got this, I dunno what it was, 10,000 page rules book and this database like this, and some of the most …

… our high value payment system here in Canada, their scheme rules and application design. So when we went live, and I'm … to make them fit for purpose for the length scheme, rules and application to design and something that comes to …

… instant payment system creates a lot of opportunities for rules and features and functionalities as the previous … That's all. And we have to have, you know, standard sets of rules, you know, that, that, that we can all follow and, uh, …

… with a high degree of resiliency? How do we change the rules and the regulations and the acts for greater inclusion …