Could I just comment, Chair? It's somewhat pertinent to the questions Mr. Bellavance is asking.
I just wanted to highlight for the committee that before the legislation was prepared, extensive consultations were conducted all across the country to speak to stakeholders. Stakeholders at all different levels participated—people who are going to be involved in doing the lending, people who will be borrowing the money—so all these types of questions, such as, is it possible to raise this, is it possible to change that, all of that was considered, of course, in the preparation of the bill, with and through the wide consultations that were conducted. So I want to highlight that this isn't the first time some of these questions would have come up. They would have come up, they would have been discussed, and decisions would have been made, and we have the proposed legislation in front of us.