We've been quite active, working with the people crafting the open banking regime to try to lend our pro-competitive view.
Some critical issues, from our perspective, are in the governance of the system. These include controlling things like accreditation, who's allowed to access it and some of the technical standards that should be adopted to facilitate competition. Generally speaking, we try to bring our expertise to bear on those specific issues.
On the wider issue of competition versus stability, I would suggest that it's not a zero-sum game. With effective regulation, you can have competition increase in the sector without harming stability. I think that's a very important point in the context of enhancing competition in the Canadian financial services sector.