Thank you for the question, which is concrete and specific.
I would like to begin by reassuring you that we respect the role of the provinces and territories in the financial system. We are not going to and do not want to impose anything. We understand the importance of working closely with the provinces and territories, and that is what we will be doing by moving forward with this system.
I would also like to take this opportunity to thank Quebec's Minister of Finance, Eric Girard, with whom I have an excellent relationship. Our entire team works in co‑operation with Quebec and all the provinces, but perhaps somewhat particularly with Quebec. This is an important issue, and we take it seriously.
I also take seriously the role of credit unions, which you mentioned. They are an important part of our financial system and we must always include them. There's another thing we need to think about: The world is moving forward, as you said, and it's important to have open banking in order to have a modern, productive economy in this country.
However, I really want to reassure you by telling you that, as we move forward with this, we will take very seriously the position, ideas and wishes of the provinces and territories, including those of Quebec, and that the role of the caisses populaires is very important to us.
I would like to make another point. Quebec investors, innovators and entrepreneurs already play a key role in the financial technology ecosystem. That group of entrepreneurs is among the most advanced in this system. In my conversations with entrepreneurs in Quebec, I am being told that it is important for our country to move forward because we already have the capacity to innovate in this sector.