Thank you very much, Chair.
Thank you, all of you, for being here today.
I want to pick up where Ms. Dancho left off. You might be surprised, but I feel that, at this committee, this is where we actually align and are very concerned about what's going on. This study has become very important in finding a way to protect Canadians.
I'll start with Interac.
Mr. Hines, you spoke about some of the steps. To go back to what Ms. Dancho was talking about, could you talk about how the different players come together? We've now had conversations with platforms, basically with all of the different players. We're all here. Can we come up with, at least, a solution or a template for it that allows us to understand what we can do better?