The premise of this is that it seems these are actually in the right stride, parallel to each other. Bill C-27 deals with data. For those listening at home, the whole premise around consumer-led banking is really to make it mandatory that the banks have to share your personal data with other entities who can bank you, which allows.... In the U.K., where we saw it with 4,000 companies, U.K. residents are saving 12 billion pounds a year and businesses eight billion pounds a year. It's really great.
My first question for you as we look at the key to unlocking consumer-led banking is this: Can consumer-led banking, open banking, exist without this legislation right now?