I think that is an important part of any new law, rule or regulation the government adopts. It's important to hear from industry. It's important that the department hear from industry. It's important that industry itself is able to make its concerns and realities known, and a small or medium-sized enterprise in particular.
From my standpoint as a regulator, I also need and want to know what the challenges of industry are. What are the hurdles? For regulation to be effective, it has to be practical. It has to be doable by small and medium-sized enterprises, and of course, it has to protect Canadians. Building in privacy at the outset and making sure that we have good frameworks, good involvement of the regulator and good dialogue with industry allow industry to build this in from the beginning. It's more effective, it's less expensive and it leads to more trust from consumers.
This is going to be key, in my view, in data mobility and consumer banking. Canadians need to trust this, and they will trust it if they can see that privacy is built in from the start.