If you can stop there, that's okay, because I only have five minutes and I have a lot to say.
Going through the presentation that was provided, there are quirks in terms of how you have oversight of debt collection practices, but you don't have oversight of the credit reporting agencies. That seems a little strange to me, but it's one of those things.
Within the mandate, one of the pillars of your mandate is to “monitor and evaluate trends and emerging issues that may affect consumers of financial products and services”. Do you think you have the capacity, or the resources, and maybe even the capability, with what is going on in the financial services sector—call it banking fintech—to stay on top of sales practices that are impacting consumers?