That is fine, thank you.
There's another point I'd like to discuss.
In your presentation, you mentioned that 72% of Canadians use the Internet or mobile applications to do their banking transactions.
One aspect that is brought up frequently concerns wireless networks. You may well have the most secure network in the world, but if software updates on our equipment or our cell phones are not done on time, this may create breaches and cause serious problems with respect to financial transactions.
In the past, your organization has said that we should adopt standards for the products people use to access their data. Could you tell us more? We often hear about the concept of the Internet of Things, an expression I like. It may have consequences on financial transactions.