Thank you.
It was interesting testimony by all parties here.
My questions will focus around Mr. Hatch.
There were a number of proposals included in the fall economic statement regarding financial services. Conservatives, of course, believe that competition is key in the economy in order to deliver better, more efficient and effective services for the consumer and end user.
A couple of the proposals that Conservatives have been making for many years have been real-time rail, increased membership to Payments Canada, as well as open banking.
In the fall economic statement, the actual framework for open banking did not come into place, despite many promises before. That's supposed to be in the budget coming up on April 16.
With that in mind, does the credit union have any thoughts with respect to what the open banking framework should look like?