Thank you for the question.
Currently, under the framework, the provincially regulated entities can opt in. They're not subject to our own market conduct activities.
That's why we're creating a completely new entity under the senior deputy commissioner for consumer-driven banking. It's to have that separation from our normal market conduct. They will still be under the jurisdiction of the provinces, but the very specific details with the provinces and the agreements are still being negotiated by the Department of Finance.