We have had discussions (sometimes multiple discussions) with most of the main market players; we have talked to people working in particular fields of payments innovation; and we have had some discussions with end-users of the payments system.
Based on what we learn from that, we’ll be putting together a more detailed document for release around mid year, which will then be the basis for a more formal round of consultation in the second half of the year. We hope to have a final report ready by around year-end.