Quickly, I imagine you'll hear from different witnesses who will tell you that there are some challenges in the current legal and regulatory environment. I think they'll be better placed than I am to explain those from a practitioner's perspective. But that is certainly something we hear.
I would just note that when I talked about the G-7 task force report, the Canadian one—I'll send you the link—was produced by a group of Canadians from different sectors, including financial. They do talk about some of the issues you've raised. If some of those people appear before you as witnesses, I think you'll be able to get a good overview as well as a technical assessment of what some of those challenges are.