Mr. Chair, I'll quickly add in on what Canadians can do.
The first thing is this: Don't reuse passwords on accounts that you really care about. In fact, don't reuse passwords. We recommend that Canadians use things like password managers, something that will autogenerate some random, complicated string of passwords.
For things that you really care about though, use unique passwords. Turn on multifactor authentication. That means asking it to send you a text message when you're logging in, logging in from a trusted device, or having one of those hard tokens, although most people won't use those because those are kind of hard to use. However, turn on something so that it verifies.
Security questions are not multifactor authentication. That information has been stolen, so don't count on that as a second factor. When we talk about that.... So, it's something you know: your password. It's something you are: in the physical world, a fingerprint or a picture or something like that. It's something you have. That's where we talk about your getting a text message on your phone that gives you a code to log in with for the next few minutes, etc. That's multifactor authentication.
Turning on those things already makes you a much harder target. Those are simple things you can do. I encourage every Canadian to go in and change the passwords for the things you care about, the things that can have harm to you as a citizen. Set it to a hard password—better yet, a pass phrase if its allowed—something that only you know, that only you can remember. If you're going to write it down, lock it away somewhere and hide it. Don't tape it under your keyboard. That's the first place anybody looks.