That's a very broad question. It would require probably its own two-hour session.
We could use direct by mail—why not?—but fraudsters have been observed intercepting mail sent to customers. If they really want to target someone, they will intercept the mail. I think it brings us back to a new step in identification, which means digital identity, talking about biometrics, something that fraudsters are not able to breach. They are not able to impersonate a voice print or a biometric factor, and I think that's the next step.
Biometrics is sensitive, and that would definitely require a public consultation of some sort to make sure that we understand what the parameters are that we're setting and how it's going to be managed and handled.