As I mentioned before, education is vital, in particular for the vulnerable sectors. Seniors are, obviously, a key part of that. I've heard personal examples of folks with learning difficulties having been the victim of significant romance scams. These are tragic stories.
Our perspective at Interac is that the individual consumer alone should not be shouldering the burden of these scams, which is why our approach is to define a cross-sector approach, define what we each need to do, and then responsibility flows from that.
Education is a key part of that. Unfortunately, though, for seniors in particular—this is anecdotal—I've seen it happen that it stops those seniors from engaging with things that they really need to be engaging with online. Education is vital, but we also have a role to play to make sure that we're building a wall around them a bit to protect them as well.