Thank you very much.
Mr. Vronces, the Canadian Anti-Monopoly Project said here that banking is the most concentrated sector. Canada has never stopped a merger in banking. In the HSBC and RBC merger, the number one bank bought the number seven bank.
Open banking has to happen to make sure we get fintechs up and running, and you also talked about payment modernization.
How important is this, and how many fintechs are there? What is that going to add to productivity and our economic vitality, and will it break up this major banking monopoly and oligopoly we have in Canada?