Thank you for the question.
My colleague, Bernard Brun, talked about this. We operate in Quebec, but also across Canada. When it comes to privacy, the difference between federal and provincial legislation poses a challenge. As a financial institution, we want to participate in anti‑fraud initiatives. Our colleagues work for organizations under federal jurisdiction—and thus subject to federal legislation—while we operate at the provincial level. We need to analyze and identify discrepancies to ensure that we participate in this type of information‑sharing initiative according to the rules. We must carry out a great deal of internal paperwork and many assessments to ensure that we're taking the correct approach. Of course, in cases of rapid fraud, this process doesn't fit within the specific time frame required for an anti‑fraud initiative.