Well, Chair, I guess I'm going to back your opinion on admissibility. I question it, though, because it is going to have an infringement on the crown and it does have financial implications.
But, even with that being said—and you've ruled on that accordingly—we're seeing the numbers here since 2006: on average, only 20% of the participants receive advances over $100,000; and, on average, only 2% actually hit the $400,000 limit. Now, our witnesses here have said that they can change that number through regulatory means if they so choose somewhere down the road if it is required. So I think they do have the flexibility and the ability to do that down the road if they see that need. Again, I don't think we need to have this amendment come forward. It's basically sitting here right now. It's a $400,000 limit, nobody's hitting the $400,000, and there's lots of flexibility if, for some reason, somewhere down the road they need to raise it.