Yes.
We didn't want to allow third party referral to.... We understand, for financial advisers, real estate agents, and other professional or business service-type people, that referrals are key to their business, and that they have lost the ability to contact referrals through the do-not-call legislation. That said, we didn't want to let the referrals thing be anybody to anybody at any given time. So we said that in order for me to refer somebody to my financial adviser, I have to have a personal or family relationship with this person...to be defined in regulations, although “family” we're fairly solid on; we're going to follow what's in the Income Tax Act already.
So you have to have that kind of one-to-one relationship. And if you don't want to refer your cousin, don't refer your cousin.
We're going to use those definitions. Then the person who's sending the e-mail--i.e., my financial adviser--has to name, in that e-mail, the person who has made the referral.
If you fail to meet these criteria that we're naming here, you will be in violation of the act. We've tried to make allowances for business, the functionality of using this medium to contact prospective clients, but at the same time not poking a hole big enough that somebody could drive a truck through in the act and you might as well not have the legislation.
So we really did try to have a useful third party referral that didn't allow for absolutely everything to happen there.