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… as you can imagine for some payment recipients. As an example, a small business owner who receives a real time … in Calgary a few years back. There's been, I'd say numerous examples where this would have had a meaningful impact for Canadians. Other examples may be where a business wants to pay an employee or …

… there is no other option than cash. Much like Neville's example where he broke the heart of some young child. I … maybe- Curt Binns:  Not gone for me and I'll give you my example. At home, we're looking at running a gas line to the … that is going to address some of those things. For example, your example of when you go to the grocery store …

… convenience is huge. Alvin: Yeah, I mean for me, just the example where we need [inaudible 00:04:11], shopping in the … people who are still paying with cash at Tim Horton's for example, or they're actually inserting their card at the … Justin: Yeah, yeah. And I think to your point, we're seeing examples where it's not only about the discount, or the sale …

… institutions like banks are entering the market, for example, CIBC, which launched the Pace It feature on its … 51 Both the Australian and U.S. markets provide good examples of how BNPL services have matured over time and …

… can be impacted by available payment options. For example, contactless payments. While these are trends that … going to be taken up so widely by consumers. My husband for example, was really anti contactless cards until lockdown. I … across the rails and not just great British pounds for example, which is what we pass value on today. Again, that's …

… would say that we facilitated industry COVID responses. For example, we facilitated and helped drive the recent CRA … ecosystem continued to function. I think probably the best example of that is the one that Peter referred to that … area that is hard to anticipate at times. I think a perfect example that we're seeing play out as we speak is the …