Thanks very much to both of our presenters today. It's a very interesting topic. Although we started getting this under way many months ago, I think the technology and the situation itself is evolving so quickly that every time we hear presenters, we hear something new.
That brings me to my first question, which is for Ms. Sherbanowski, please.
Could you give us what you see as the definition of the identity theft issue in Canada, and how it has evolved, and I don't want to say “over the past decade”, because I don't think we have enough time to talk about how it has evolved over the past decade, but how has it evolved over the recent past?
When you're talking about that, what are the most likely causes of identity theft? Perhaps you could bring into your answer how much of that identity theft is paper-based, whether it comes from mail, credit cards, or passports, or how much of it you think occurs online.