Thanks, Mr. Chair.
Thanks to our witnesses for taking some time out of your busy schedules to be with us today. It's certainly much appreciated to get your perspective on where this legislation is going.
In listening to you, Ms. Monti, about some of the work that RBC is already doing in your branches, which is great news, it certainly sounds like a lot of work has already been done. One of the concerns we have with the legislation is that it doesn't include any standards or timelines to achieve some of those standards. To me, it sounds like there are probably some very good practical examples already in the private sector, as you were outlining.
Maybe you can give me some examples. Is this a concern or something that we should be worried about? Should the legislation have some definitive timelines for when there should be compliance from your members or from RBC, just in terms of some clarity on what your path forward should be?