I would say that generally, for us, it has worked fairly well in Japan. Are there differences in regulation? Yes, there are.
There's no doubting that Canada has the most conservative regulatory regime, in regard to capital requirements, of anybody in the world, and it has the most conservative accounting system in the world. It actually, from our perspective, makes us look much weaker than we are—I think in all Canadian insurance companies, and Janice would agree—as compared to international competitors. In the world of—