I will be relatively brief, because Mr. Davies said pretty much everything I was going to say.
It sounds like every party around the table supports the concept of open banking for greater competition, transparency and, hopefully, lower prices for consumers.
We, too, are challenged a little bit with the way this has been conducted. Specifically, I don't think I'd be doing my job as a member of the official opposition to not level a couple of criticisms. We are years behind many other advanced economies with respect to our open banking legislation, and all we've proposed so far is a framework, a flawed framework.
The government already had options put in front of it, including, as Gabriel Ste-Marie said, from Ryan Williams when they said that they supported wholeheartedly the concept of open banking, consumer banking and consumer-led banking. However, we do find challenges, as Mr. Davies and Mr. Ste-Marie have stated, particularly given the amount of time this government has had and the number of resources they've invested, presumably, in investigating and putting together this legislation.
Thank you.