Thank you, Madam Chair.
I'd like to start by recognizing Mr. Masse's contribution; he's been making us more aware of the issue for quite some time. Thanks to him, it's on our radar and we are learning more about it. As a member of Parliament, I think it's incumbent upon us to act to better protect our constituents.
I'd like to follow up on Mr. Marchand's comments. One thing he mentioned was that, as people's socio-economic conditions worsen, external attacks become much more frequent. He referred to a 600% increase. What's more, he said information that's stolen isn't used immediately; that tends to happen down the road, within approximately 18 months.
Mr. Marchand, you said there was an accountability gap because the current state of affairs makes it easier to open fraudulent accounts and carry on criminal activity. Can you tell us, in concrete terms, how that's problematic and how companies could be held accountable?