Thank you, Mr. Therrien, for joining us this morning.
A little while ago, my colleague asked a very interesting question about the limits around the collection of information. During your opening remarks, you talked about limiting the information collected. You gave the example of accounts under $50,000 possibly being exempted, if I understood correctly. Other than cases where dollar thresholds are used, can you give us any examples where information should not be transferred? I don't mean when it comes to dollar amounts but, rather, in terms of the protection of personal information.