When I said that competition was good, I was not referencing that related to the bureau. I was referencing the fact that having more players in a particular market gives consumers more options. By giving consumers more options, you give them more power to decide.
That's what we want. We like consumers in Canada to have choices. Each of the different players will develop their own value propositions so that they can have their choices delivered properly to their target customers. I think strong competition makes everyone better.