I appreciate that, because one of my views of the world is that we try to make things simple and the less overlap the better.
The one area you have a lot to do with, probably mainly from the banks but I think also from the credit unions' point of view, is business information when businesses are sold and people are investigating whether there's an interest in making a purchase or a sale and so on. Could you give me a layman's view of what actually happens, without taking too long? And how does PIPEDA help or hurt that, and what do we need to do to make that easier?