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… payment system has stayed the same. 2001 was the last time changes to Payments Canada's membership eligibility … is the legislation that governs payments in Canada. At the time, Payments Canada's active membership was 113, and that … and all of the beauty of that. We know these changes take time as well, so we need to stop looking at it sooner than …

… Lee: Thanks for having us. Liz Dempsey: This is the first time we have two Liz’s on the podcast. I'll do my best to … get halts in the payment processing, it stops the payments time, it decreases the speed of the payment messaging. So … ones are harmonized with the CPI requirements. So the Committee on Payments and Market Infrastructure. And the reason …