I think that fundamentally, it absolutely has to be a public-private partnership in Canada. As I indicated in my earlier response, government owns the foundational documents proving identity, so I don't see stand-alone solutions, at least none that are in flight in the market right now.
One solution that is a private sector solution done in partnership with the banks is SecureKey Concierge. I know that you heard from SecureKey a couple of weeks ago.
In terms of your question, SecureKey's product addresses all three of those things, I would say, but not so much the economic growth one, just because it's a limited use case right now. It allows access to more than 80 government services. It gets rid of the users who may only access the CRA once or twice a year but may access their bank online every week or two. It really takes away from the proliferation of user names and passwords. They only have to remember the one to log in to their account.
Then there's the question of outdatedness. Again, you're getting rid of the physical need to tie in to the CRA and other government services.
As to the economic growth one, digital ID is a pretty nascent market in Canada from both a public sector and a private sector perspective. As we see the market develop at both levels, public and private, I think we'll see more use cases that address the economic growth point.