Thank you, Mr. Chair.
Mr. Foster, thank you for being here.
I want to talk about artificial intelligence. It has been raised a few times. In particular, it's being used by bad actors to learn how to attack weaknesses in systems. My understanding is that more and more we're seeing it being used also as a protective measure, learning how to protect.
I think TD acquired an AI start-up last year. I'll start with the security perspective and I'll get to other aspects of it.
From a security perspective, for both defending and your perception of those who are attacking, what's your sense of the current state of affairs?