Thank you, Senator Gold. Canada has yet to implement either Real-Time Rail or the next phase of consumer-driven banking. These two reforms could help modernize payment systems and reduce fraud. The last Fall Economic Statement promised to launch the consumer-driven banking framework by early 2026 and to fund the FCAC over three years, yet the funding is absent in the 2025 Main and Supplementary Estimates. This may cause another delay. Can you give us an update on open banking or consumer-driven banking? Thank you.