Thanks very much. Again, that's very helpful.
You're speaking just about financial institutions, the cornerstone of our economy, the large institutions that have capacity to look after their own cybersecurity infrastructure. I want to shift the lens a bit and ask you about your thoughts on small businesses and start-ups. This government is very focused on creating an environment that encourages entrepreneurship and start-ups and innovation. For smaller businesses, the cost of having to provide their own cybersecurity infrastructure is....
I'll put it over to you. Is it prohibitive? Are there specific challenges we need to look at for small business? If so, what augmented role could governments take to provide that platform of good security?