It's actually important to understand that the consumer banking system has a virtually global presence. Canada is one of the last countries where there is no right to data portability. Many countries that are very close to us in the Commonwealth, such as Great Britain and Australia, as well as the entire European Union and certain Asian countries, have that kind of system, and we can already see how easy interoperability is among those countries.
I think it's time for Canada to step into the modern world and grant Canadians the right to portability. As for interoperability, I'd say it's not very complex. The rules are quite similar.
I'll refrain from commenting on artificial intelligence because I'm not an expert in that field. It's an extremely complex subject. I think everyone's trying to understand this, including the president of OpenAI, who was fired and then rehired. So I'll refrain from commenting on the subject in the context of a piece of general legislation.