Thank you.
As you understand, it's a bit of a surprise for me to be here. I just got off a plane and voted, and then they took me down here. So unfortunately I have not been able to hear your testimony. I had no idea what was going on before in this study either.
A question pops into my mind about payments with chip cards. You may have covered this, and my apologies if that's the case. Canada was an early adopter, at least compared to the United States. I'm just wondering about two things. Is that an issue, that Canada has widely used chip cards and Americans have not? I'm not sure if that's changing. Is there an issue between the two countries on the security status of those systems? Should we be more worried in the United States than we are here, or vice versa?