Finance committee  Yes.

Finance committee  I can talk about the objective of the framework.

Finance committee  Okay. The objective of the framework is to establish a system for all entities and all Canadians with the aim of ensuring that all Canadians have equal protections and equal access when they decide to provide their financial data. The framework is the first step. We are continuing to work with all stakeholders, including the provincial governments and regulatory agencies, to avoid federal barriers to participation in the system.

Finance committee  However, yes, the system is optional for credit co‑operatives.

Finance committee  As I said, the framework is the first step. [Technical difficulty—Editor]

Finance committee  Right. I apologize.

Finance committee  It seems to be better when I turn my camera off.

Finance committee  I will repeat what I was saying. When it comes to common rules in the banking system, it is important, first, to note that those rules apply to the system, to the activities that come within the system. The interaction with the—