You mentioned that you don't want the government to micromanage, you want more competition. I agree. However, at the same time you comment that a real-time payment system should be built in a timely manner, and you want the federal government to take action. I think your organization wrote an article about that.
Tell me what the government is doing that is preventing the system from being developed by Payments Canada, whose members are all the financial institutions, I believe, and all the insurance companies are also the members there. Why do you blame the government for that?