Thank you very much.
Thank you to the witnesses for being here today.
My first question is for Mr. Harroun.
I've noticed there's been progress in recent years, and I think it may be from the CRTC, your work on spoofing and the caller display issues. Last time you had representation here—I believe it was in September—I mentioned that my constituency office received an RBC banking telephone call that was not, in fact, RBC online banking. Thankfully, I had a very intelligent staff member who caught on and stopped it there.
I've noticed recently that I'm getting similar texts now from a bank that I bank with. It reminds me, for example, to pay my credit card bill—that's a legitimate one.
I received a similar one—