Thank you for the question.
I would say a couple of things. First of all, there has been no tangible progress on the open banking protocols and standards, so they're languishing. It's going to take a regulator like the Competition Bureau in there, coupled with finance, to push it, because incumbents don't want it; consumers want it. They're scraping screens right now, which isn't the best way to do it. It's frustrating domestic innovators.
The other thing the Council of Canadian Innovators was very vocal on is that all these other countries in the world used their fintech companies for loans during the COVID relief program. Canada was again an outlier in expressly excluding our fintechs in part of the COVID distribution packages of loans and so on, and it all went to the big incumbents. We candidly talk about one thing but do the opposite.