Yes. The data from the U.K. is based on their 2019 data and, yes, it was 18 billion pounds across individuals and businesses.
It's exactly as you said. One of the best Canadian fintechs, Borrowell, allows renters to build their [Technical difficulty—Editor] or build credit by demonstrating proof of on-time monthly rental payments. At the moment, your on-time payment of your phone bill has a bigger impact on your credit score than paying your rent, so that is the kind of product that could be improved and delivered more broadly through open banking. They've long been advocates on that, and we've been proud to work with them.