There's a two-part answer.
The first part is that we saw it coming, and we developed a regulatory guideline on third party risk management, which should help the banks we regulate manage new relationships that will come as a result of open banking.
Longer term, we have to be watchful that, if those new players do decide to innovate beyond their immediate business model, which is to enable, effectively, customers to own their own banking data, and move from that model to one that involves taking deposits and making loans, they do that in a regulated space. If we let that activity go unregulated, we see it usually leads to bad outcomes.