Thank you very much, Chair.
This was an issue that was actually brought to my attention by a constituent. You talked about various jurisdictions and countries being involved. Many of our banks contract out services to other countries. If a Canadian bank is contracting out, for example, to a call centre in India and there is a hack or a data breach, whose laws apply to that? Who investigates? How can Canadians know that their data with Canadian companies is safe if it's being transferred to other countries?