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… financial and operational risk. My sense is this pandemic definitely falls into the operational risk category and it … I'd be happy to. Maybe what I should do though, is start by defining operational resilience in the way that we think … When I think of that, I'm thinking things like payment deferrals, and I'm thinking of fee waivers and hardship …

… these are pretty common trends we're seeing globally, and definitely the COVID-19 situation is accelerating them. … years has been quite impressive by global standards. So definitely we're adaptable, Canadians are adaptable. And … innovative ways. Cyrielle Chiron: Yeah. Great point. Like definitely opportunities for innovation. Do you see the same …

… that's been around for close to 20 years now. It was defined by- Justin Ferrabee:  I thought it was new and … here in Canada. So what's different about it is that it defines not just a payment to go from point A to point B, but it defines the business process in which that payment fits, or …

… was just missing and no one knew where it was. Shirley:  I definitely agree with what Lawrence is saying. There's no … what would we like to accomplish? The big one is probably definition I think to start, around what a PSP will be, and … doing everything we can to ensure that that access, that definition is as encompassing as we think it should be. And …

… seen what would happen if it lasted for 30 days. Those are definite risks to the system and they have to be thought …

… account? Why can't I see offers in my banking app? The best defense to this coming battle for experiences is going to be …