On your first question, as this rolls out and large banks and smaller financial institutions start to migrate to this new ecosystem of open banking, it will become easier and there will be less friction for a consumer to move from one financial institution to another. These are all good things from a consumer standpoint and for competition.
To reiterate a point I made earlier, for the credit union sector, it's going to be imperative in the years to come, as this rolls out, to make a streamlined process for credit unions to go federal. Right now, most of them are provincial and just can't compete outside of their provincial borders, and we need to fix that.