Thank you for that.
Help me understand this. We went through it last time, but what I'm asking myself is, so what? Why shouldn't we? Mr. Garon or somebody else might say that financial information is really important so we want it to be protected. The financial system wouldn't to come to its knees and be completely in ruin if we were to pass this particular subamendment, but I want to push back a bit on that and ask what the implications would be for the everyday, average citizen who is relying, potentially, on those third parties and on the financial information to be transferred in a way that doesn't present an imposition on the services they use and consume on a regular basis.
Mr. Schaan, I'll turn to you, and you can redirect to someone else on your team, if need be. Help us understand the impact of this. You've already said, to some degree, that express consent would be required at every single point along the chain of disclosure, but can you give us more detail on how this might impact everyday citizens?