I think this is exactly what the legislative review is designed to look at. Cryptocurrencies or the underlying technology in cryptocurrencies holds some promise. There's some important innovation there, and I think the legislative review will allow us to explore that innovation but also to look for ways we can get at those benefits in a more regulated environment to make sure Canadians who want to use these digital forms of payment are also protected.
We don't see a trade-off between innovation and regulation oversight, but certainly with the increase in digitalization in the financial sector, it's important that we undertake the right level of research and development. That's what the central bank is doing right now, and that's what the legislative review is designed to do.