I'd like just to move on here.
The problem I have here is that the pilot project you're talking about with the banks is not possible without having the credit bureau information. The two are intrinsically linked.
Let's say you pick a particular neighbourhood randomized in Canada. You pick a household and you then use the credit bureau data to go to all of the banks, and I imagine this would also be for institutions such as credit card companies. Then you could say, “We've identified this person's social insurance number. We know they have an account with you. We would like you to supply us with all of that information.”
We're not talking about just bank accounts, sir. We're talking about credit card-specific information. Is that correct?