Thank you very much. It's unfortunate that I only have two minutes. I think you all have had a ton of value to bring here.
I will focus my time on Fintechs Canada. You did a great job with your testimony, and we have such valuable input from all.
I just want to build upon what my colleague said. We're seeing a world where, increasingly, countries around the world are adopting open banking. It might even be, if I'm not going too far on this, real-time rail. A majority of advanced economies have adopted real-time rail, and Canada continues to lag behind.
I know, of course, that in the BIA we have a framework, but we don't have a start date for either open banking or real-time rail at this point. Is that correct? Maybe you can expand on that.