To go right back to my background--running operations in my father's store at 16--I'm really anti-clutter. What we will be doing, in terms of both regulations and legislatively, is give Finance a whole range of cleanup items that they should look at, from a policy point of view, to bring before you.
I'll give you an example with regard to the Canadian Bankers Association. It's turned out, in the first four years of the cost-of-borrowing regulations, that there is some confusion around individual regulations. They have already put in a submission, which I believe is available to you, on cleaning that up. I actually, in spite of being a regulator, agree with them in terms of taking the time to bring clarity to a couple of those provisions. So we do that.