Canada is suffering from a productivity crisis according to the senior deputy governor of the Bank of Canada. She warned about that in a speech a couple of months ago and said that in case of emergency “break glass”. It's a very serious situation.
Canada is lagging behind on the implementation of open banking and real-time rail. I'm wondering if you could, in the short time we have, lay out the benefits of those policies, the impact on consumers and the negative effects of Canada not having those policies in place vis-à-vis our peer nations.