Just briefly, to echo what Mr. Schaan said and amplify it a bit, you can think about this in terms of the impacts that it will have on commerce on a day-to-day basis. You can also think about it in the context of interoperability of systems. A big discussion at this committee over several different meetings was about the degree to which Canadian businesses are incentivized, the degree to which the competition framework drives innovation and the delivery of new and effective services, and the degree to which our systems are able to attract investment.
I believe committee members this morning referenced open banking or consumer-driven banking, which is an ecosystem that relies entirely on data-driven innovation to create new competitors and to shake up the legacy system. In that context, having a different rule set or approach to the sensitivity of information could have an impact on the degree of investment attraction and the new services and offerings that are developed and put on the market. Again, an important piece to consider is whether there's actually a significant enough value-add from adding financial data to outweigh those other considerations.