I'd like to start by saying to the Canadian Bankers Association that so far this committee has heard only really great things about the effectiveness of the banks in the area of cybersecurity. Most witnesses have told us that the banks are basically leading the way.
I'm very curious about how much of an investment this has been for the banks, how you work with other banks overseas and what partnerships you have. You mentioned in your introduction that you think it's important for the government to invest in academia—I believe you were saying to establish a cybersecurity curriculum and to invest in that area.
Have you already been doing that on the private side as well? If so, can you elaborate on what institutions you've been working with and where your cybersecurity experts train and upgrade and get their skills?
There's a whole bunch of questions in there, I know, but you can tackle them one by one.