I want to spend a bit of time talking to Ms. Jones with respect to the commercialization ecosystem. I found some of your comments really interesting.
I share your belief, and I think several others on the panel do as well, that Canada is in a productivity crisis—and I'm not putting words in your mouth there—and that one of the keys to getting out of that is innovation. I also share the belief that we have some of the best post-secondary education and some of the best minds in the entire world right here in Canada, but there's a gap between those ideas being generated and our being able to fully commercialize or exploit them.
Could you talk more specifically about what's in that commercialization ecosystem, or what's missing? We have the Canadian Bankers Association right there, in addition to members of the government. I'm sure they'd all love to hear this.