Again, I don't want to really.... I think it wouldn't accomplish much for Canada if we attacked Royal, or TD, or CIBC.
I would say to them, as an industry, could you share with us what are the sources of identity theft and identity fraud? Where do you see the problem coming from? Is it an internal problem with your rogue employees? Fine, then we'll tell you that you have to do some things about it. But if it's another kind of problem, for example, is it my responsibility as a consumer? Is it all because I forgot to tell them I was going somewhere or not? We need to know where to sort of draw our responses, depending on that information. The problem that I have is that I don't have the information to give you an informed opinion on what's the best thing to do in terms of penalizing.