Thank you, Madam Chair.
Ms. Oliver, I have a couple of questions for you. After having a little hiatus, I'm back as a guest at the finance committee. I can't remember how many times I've asked you about open banking, fees and real-time rail. I think we have to be going on a decade of these things not being done.
Where would you rank Canada in broad terms among G7 peers when it comes to fees, real-time rail and open banking?