PIPEDA, of course, applies to all business organizations, not just those in certain sectors like insurance. I think the Quebec amendment was useful. It brought their law up to a higher standard, for sure. PIPEDA already has that standard to a certain extent. When you are transferring data for processing anywhere, whether it's to another province or outside the country, you have an obligation to put in place safeguards, including contract-type safeguards, that will protect the information.
On top of that, the Privacy Commissioner has offered a lot more detailed guidance on what she thinks should be required of organizations. Even if this does not get into the statute, there will be strong guidelines provided to the business sector on what constitutes reasonable safeguards when data is being transferred to another country for processing. So I think we're going to be bringing PIPEDA up to the Quebec standard through those kinds of mechanisms.