It's a great question. Thank you.
We don't have a launch date. One wasn't committed to. It's hard to figure out exactly why, but if you work forward from the bill passing, build in some time for the drafting and passing of regulations and make rosy assumptions about how quickly the FCAC will be able to stand up its oversight capability, we're assuming that open banking will go live no earlier than 2026, so we are still years away.