I touched on this earlier, but I'll go into it in a bit more depth.
For us, it really is a very complex piece already in terms of what the framework legislation sets out. You have the infrastructure. You have to create CASDO, appoint the commissioner, appoint the officer. You have the standards development, which we heard about from many other witnesses, including us today. You heard that it needs to be finely tuned. It needs to be informed by experiences in other jurisdictions. It needs to be informed by stakeholders.
On the stakeholder point, the minister, I believe Minister Qualtrough, said that just in the last two years she has received feedback from 6,000 individuals and organizations. As we get into the details of the standards, we would expect to see more of that and other views being at the table. One of the points that we and other stakeholders have made to the government is about the desire to see harmonization within Canada—that is, with the provinces that already have legislation. As I indicated earlier, for our cross-border banks there is a desire to see at least ICT harmonization.
All of that takes a lot of time. There's no end point where Canada is 100% barrier-free—that's a dream—but as best practices and technology evolve, I think it will keep moving in that direction.
Ms. Waley, do want to add something on the progressive realization piece?