Yes. Don't get me wrong. We have a lot of room to improve, but today we stop a lot of fraud already. In 2025, we stopped $99.8 million of fraud on our network. Our headline metric is measured in basis points, and it is 3.89 for our financial year 2025, which is on par with networks globally, like Zelle. We'd like to improve that. It's not the top end of those networks, but we already stop a lot today. What we're trying to do is steepen that response curve to reduce impacts on Canadians.
