Thank you very much for the question. I'll pass on your regards to my colleague Eric.
In terms of the fraud issue, our preference is to look at Australia as a leader country. They've put in place a multisectoral group of companies and organizations to fight fraud: telecommunications, digital platforms, banks, law enforcement and governments. We've seen a decline in fraud in Australia, and we'd like to import that same model into Canada.
We've seen that 85% of frauds start from telecommunications and digital platforms. It's critical that we have them on board as part of this fight. This is why we're supportive of the national anti-fraud strategy. It's because they do exactly that.