Thank you, Madam Chair.
I appreciate your being here today. This has been an interesting study.
I really appreciate the words “choice” and “consumer” and the old “consumer be aware” type of thing. I think I've heard that a bit. Also, I think I hear that a lot of policing is going on by both your groups in the sense of bots and getting away from the paper to try to control the fraud out there.
You both mentioned provinces and what they have done in legislation. When things seem to go sideways with consumers, people start poking at governments and wanting them to do something, and then industry responds to try to keep the government out of doing something. I guess it's my preference to stay out, but obviously we've had some provinces doing something. What do you think about what the provinces have done? Can you maybe relate it to what we might do?