Okay. I'm going to focus on how this industry can thrive with this legislation.
You had three amendments, and I want to focus on those. I'd like you, on each one, to just elaborate a little bit more about exactly what we need. If you have wording that you'd like to see in an amendment, you can submit it to the clerk—which is probably the best way—so then we will have that.
Let's start with legitimate interests.
You mentioned proposed subsections 18(3) and 18(4). Just elaborate a little bit more on those, and if you want to go through all three of them, then it's proposed section 72 and then proposed subsection 29(1). Just walk us through a little bit more detail on why these amendments are needed for open banking.