In 2012, as I said in my opening remarks, we had low adoption of e-transfer. We had 30 million transactions at that time. One of the common commercial practices is to adopt a volume-based tier of pricing in order to get the biggest players to gain mass adoption. I think that has been very successful over the last 10 years. I think “e-transfer” is almost a verb in Canada today: “I'm going to e-transfer my kid some money at university.”
Now is the right time. We spent a year reviewing the global market. We looked at other real-time payment systems around the world. The flat-rate structure is the appropriate structure, so that's what we're implementing in 2025.