First, the transition plans have to be more transparent and the disclosure criteria clearer. On that point, I think the new rules adopted by the Office of the Superintendent of Financial Institutions that will be coming into force are going to be positive.
I think we have to speed the transition up, and that can't be done if we have voluntary disclosure. We need to compel companies to adopt more transparent rules, or else we won't get there.
I think it comes down to speed. We can't take baby steps. From now on, we have to take big steps, and having tougher rules will help speed up the transition.