That's a good question. As you know, I wasn't minister at the time that decision was made. I could certainly look with the department as to why the decision was made the way it was, and we could follow up with you.
That being said, you probably have seen, as I have, that we are starting to make some progress in Canada. I'm not saying that we're a leader on these issues, but the Bank of Canada report, the OSFI report—