Public Safety committee  Did you give testimony? I wish we had gotten it—

Public Safety committee  I wish we had received a copy of that. That would have been handy. We would have been better placed to have a real discussion about the challenges of open banking. I've done some research, but only a little. Your organization, CAMIC, is having a hard time with this open banking

Public Safety committee  I'm having a hard time understanding why CAMIC is opposed to it but the Insurance Brokers Association of Canada is not. You must see there's a piece of this puzzle we're missing.

Public Safety committee  Following on that, what do we need to do to incentivize this, or are we the ones who are missing at the table? How do we encourage others to participate in these forums?

Public Safety committee  Okay.

Public Safety committee  I'll ask my last question, and later on I hope we have a chance to talk. Mr. Parsons, you talked about responsible encryption policies. Does anybody do these right? Does any country have the policies right? You can talk about that and the vulnerability programs as well.

Public Safety committee  Thank you very much. I'd like to begin by thanking you all for being here today. You've added quite a bit to our discussion. I'll start with Professor Mosca and Mr. O'Higgins. I was really happy to hear you talk about the need for collaboration. Can you tell us a little bit abo