That's a very good question and a very good point.
We would be concerned about the scenario that you described and would want to ensure that it does not take place. Currently under section 416 of the Bank Act, a bank cannot sell insurance at the point of granting credit. In the new budget implementation bill, fintech-related provisions maintain those safeguards. As banks engage in fintech activities, or make referrals, that historic prohibition on the bank from selling insurance at the point of granting credit must be maintained, whether it's through a fintech, through a referral, through an app, whatever the situation may be.
It's quite likely that a person or an entity may try, either on purpose or accidentally, and we need to prevent that from occurring.