Thank you very much, Mr. Chair, and thank you to our witnesses for being here today.
I'm going to follow up a little bit on Mr. Caron's line of questioning. I want to understand how this all fits together.
Ms. Burke, you said that the secure nature of your transaction in the cloud is downloaded every time you do a specific individual transaction, as opposed to.... I'm still carrying that information in my digital wallet, though. Is that not true?