We're obviously happy that it's happening. It wasn't too long ago when many in the sector thought it wasn't going to happen at all, despite all of the consultation and the years and years of conversation.
I think some of the excitement will be muted, though, because, as I said in my opening remarks, on day one, this will just allow Canadians to share their data. It won't allow Canadians to authorize someone else to initiate a payment on their behalf, either by pushing the payment out or by pulling the money from one account into their own.
That payment capability that is turned on in other jurisdictions, like the United Kingdom, allows a merchant to encourage their customer to pay with something other than a credit card. Therefore, in addition to being able to surcharge, you'd be able to partner with fintech and get money the way you want to and on the terms you want.
In Canada, that is not going to be an option on day one, and it's not clear that it will ever be an option, unless the scope of open banking is expanded.