Other jurisdictions have implemented open banking. Our reality is different in Canada with how our federation works, of course. Not every national government out there has the same federal and provincial dynamics that are an ever-present reality in Canada. Financial institutions are provincially regulated, for the most part. That does impose a certain layer of complexity to it.
Yes, it's been since 2018. We've done our work and consulted heavily with the Department of Finance, the minister and her team. It's been very productive, but it's time to get it over the goal line now, I would say.