Yes, in 2023. I believe it was January. We're now nine months past that.
Maybe you could also share with the committee where Canada is falling with respect to regulations and framework—just anecdotally is fine—and also why open banking is an important part of modernization that must happen to Canadians' financial framework or we'll fall even further behind, knowing, of course, that we are nearly last in productivity in the OECD right now.