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… So now let's get right into questions. And I'll start with you first, Liz. And this is a big question. What is the … have to go all the way back to the beginning. So you start with ISO 20022 as a standard, it's a data standard ISO … on newer versions now of these different payment messages with all sorts of different choices of data compared to back …

… at the Bank of Canada. Abraham Tachjian, Open Banking Lead with the Department of Finance Canada. And Tracey Black, … the most important issues in Canada's payment landscape. With forthcoming systems like the Real-Time Rail offering … engaging conversation. But before we dive in, let's start with introductions. So, Hanna, I'll start with you. Hanna …