With respect to a code of practice, we understand, too, that there might be certain very narrow scenarios that could really benefit from a code of practice. For example, information sharing could be something that's very specific.
Generally speaking, for the banking sector, each of our banks has very robust privacy management programs already in place under PIPEDA, so we wouldn't necessarily look to create a code of practice for all compliance for the CPPA, although we could see some very good benefit for small and medium-sized businesses, for example.