Public Safety committee  Okay, but wouldn't the insurance brokers feel exactly the same way?

Public Safety committee  The latest article said that the brokers and the mutuals are split on the tactics, on whether to support open banking or not.

Public Safety committee  Okay.

Public Safety committee  You obviously have some concerns that the Insurance Brokers Association of Canada doesn't have.

Public Safety committee  That's the thing. It would be really nice if we could get things in advance—

Public Safety committee  —so we can study and have the questions ready for you. Let's talk about open banking. Do you not think there are ways we could mitigate those risks, or are you just concerned that we're not aware of all the risks?

Public Safety committee  Okay. I liked what you had to say about full and informed consent. How do we improve that? What approaches are available to us?

Public Safety committee  Other countries have adopted this open banking. They must have protections in place.

Public Safety committee  It's a challenge, no doubt about that.

Public Safety committee  Okay.

Public Safety committee  That's good. Thank you.

Public Safety committee  Thank you. Thank you very much for your testimony, and for coming today. I just want to clarify one thing. If I heard you wrong, please correct me. I think what I heard was that there is minimum cybersecurity risk to your companies or your customers. Is that correct?

Public Safety committee  You're just saying that you're not an attractive target.

Public Safety committee  Okay. That's good.

Public Safety committee  We'll put the cybersecurity piece of this aside, then, and talk about open banking. It's important not to conflate the two. The finance department just held some consultations. Were you part of that?