I'll start, and then I'll let my colleague add.
We're moving to a digital environment. That is the way of the world. Innovation is being fostered at all levels, including the government level, and a lot of those transactions or account openings are moving into the digital sphere. I don't think it's weaker, because many of the technologies that are coming out could be stronger. There are examples, such as when you show your driver's licence. If you use it through a digital channel, they can home in and get some data to confirm that it's valid ID.
I don't think we're looking for it to be laxer. I think we're looking for flexibility within the regulations to allow for new technologies to be utilized that are possibly more secure. Right now a very prescriptive regime allows us to use these methods to identify our client. We're suggesting more flexibility. Again, they have to be secure—we're not asking for lax identification—but for flexibility so these new technologies that could be more secure than face-to-face interactions are allowed to be part of the regime.
I don't know if you want to add to that, Stuart.