Thank you very much, all of you, for coming here.
I'll start with specific questions, and then I'll get to something a little bit more general. Let me start with Ms. Routledge and Mr. Docherty first.
As part of the CBA's submission to the OPC's consultation on consent under PIPEDA, you said that PIPEDA should not “pose a barrier to innovation”. Can you explain what you meant by this? Do you feel that the way PIPEDA is currently structured poses a barrier to innovation?