I probably should have been more careful with my wording around “zero-cost”. It's productivity-enhancing at minimal cost, at least, in the sense that you are letting the private sector do the work. You have all these fintechs that would benefit immensely from access to the data that they would get through our putting open banking into play. I mean, some of this stuff is already happening, but the advisory committee gave some recommendations, quite specific recommendations, on what's needed to get open banking off the ground, and there hasn't been much movement on that. To the extent that there would be, the idea is that those fintech players would be able to provide at a lower cost to consumers some of the banking services and investment services, etc., that they're getting for much higher costs with the incumbents.
So it's not zero-cost, but certainly it's not the kind of thing where the government has to run the program and therefore spend billions and billions of dollars to do it.