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… consumer demand, but the real reason payments keep getting better and better is because of the rules and … it works, you just accept that it gets the job done. But when there's a problem, you might get into the how and why. … I think the future is really bright. I would be remiss if I didn't mention the Real-Time Rail, which is our real time …

… our primary mandate of keeping inflation close to target requires us to stabilize the economy and employment … and supporting a return to normalcy. Impacts on LVTS When monetary policy includes the provision of extraordinary … Tranche 1 collateral levels tend to vary depending on when participants need to send large payments on a fully …

… me, Liz. Looking forward to this. Liz Dempsey: Great. Let's get right into questions, and I'm going to start with this. … B2B payment space.  Another thing that stood out in my eye when I was looking at this year's results was that the … of Canadians who said they avoided shopping at places that didn't accept contactless payments since the start of the …