On that note, we've been waiting almost seven years for open banking. The government has promised legislation. It's always down the road.
The Americans may get open banking up before we do, and that's a big risk, because it's going to force a lot of founders—especially in fintechs—down south. We've already lost half a trillion dollars of investment down south in the last nine years.
Tell me how important it is for the government to present legislation as soon as possible in order to keep investments here, but more importantly, to provide competition to founders here in Canada.