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… to be here. Your intro captured exactly right. There is interest and, in fact, even excitement about the idea of … few players, and Canadian small and medium sized firms are interested in seeing a lot more diversification. A lot more … in that from a B to B perspective. Interac e-Transfers, interestingly enough, for very small business is becoming …

… being done for the Real-Time-Rail, renewed government interest in open-banking, and much more. With all these …

… thing, number one that's to be done. Yeah, that's pretty interesting. I'd like to followup on those question, but … be pretty critical. Cyrielle Chiron: Yeah, no, that's very interesting, Anne. And thanks for clarifying the role, the … with those smaller players? Because they may have different interests than we do. And I think that's another potential …

… don't understand why we're not doing it. So it's just as simple as this. It's not easy. I'm not saying it's easy, but …