I have one final thing.
The Canadian Bankers Association, in their white paper, suggested a few specific recommendations, including legislative amendments that will allow us to move closer to a digital ID. I recognize that the pan-Canadian trust framework is the next step, but to the extent that there are specific recommendations that were not in your opening statement and that you did not get to in answering the questions, similar to that recommendation with respect to legislative amendments, it would be helpful, as we make recommendations to the government, if you would follow up in writing if there are any specific recommendations that you think this committee should be making to the government. That would be one example, and perhaps there are others, but I would appreciate it.