Yes, I understand, Mr. Chairman. We'll make up time later. I commit to that.
I appreciate the answers from the ministry officials. I gather, then, the only way to make the amendment we're concerned about would be at report stage, and it would be to delete the section that changes it from the Superintendent of Financial Institutions to the minister. That is what I gather.
We've been talking a bit at cross-purposes, but from what I gather, it's only at report stage that we can really deal with this effectively within the scope of the bill.