Thank you for the question.
First, I want to quickly wrap up our conversation on open banking. It's really optional and we don't want to impose anything. However, I want to assure you that, for us, it is important to work with the provinces and territories and with caisses populaires. We are also prepared to work with you and to exchange ideas. You have raised an important concern, which we have discussed at length.
On the implementation of pillar two of the global tax agreement, I thank you for your understanding. I spoke a bit with Mr. Davies about the importance of having a multilateral regime, but it's really a complex regime. For all the processes related to the OECD and also for pillar one, it may be a good idea for us to continue the conversation among our teams to explain what we are going to do. We are currently doing work as part of pillar one, and it is not just up to us.