Yes, very quickly.
Of course PIPEDA came about in our new age of technology and information. When I listen to you, I get the impression—and I'm not trying to flatter you—that for banks, it's really in their self-interest to do these things. I look at self-regulated industries, such as the insurance industry.
In my former business life I was a car dealer, and I know that OMVIC was created after Consumer Affairs ceased regulating the auto industry. Quite frankly, they're much more stringent than Consumer Affairs was.
I'm teeing up for a shot here.