Your business might be doing that, but if I haven't solicited that relationship with you, if we get rid of what we're doing here, it just comes in as it used to, through bots and through phishing and other things. That's my concern.
Once we've engaged in that relationship with Desjardins—and thank you for the work they do, I'm not trying to pick on you by any means—and in fairness to my bank, they give good service when I go in there. As a customer I hate some of the things they do. But that's my choice at the end of the day. My concern is that a consumer can eventually choose that, and I do that. I accept the fact that my bank takes advantage of my data and sends me unsolicited information that I pay for. I have that choice.