Interac e-transfer pricing, the current volume-based pricing, was reviewed and approved by the independent committee, not by the board. The independent committee is made up of independent directors only, plus me. The recent move to a flat-rate price, which has been in the works for about a year now, was reviewed and approved by the independent committee.
As a prominent payment system, or PPS, we review that with the Bank of Canada. We've recently retained approval from the Bank of Canada for that new pricing schedule. We're in the process of communicating that to participants and reviewing our communication strategy on it.