Mr. Chairman, we do very well. The reason we do very well is that, in wonderfully Canadian fashion, we combine a little bit of everything into the mix. We oversee codes, but we have always been empowered to change codes to regulations if required. If not required, we don't do it. Other countries just have a code.
Then we have a regulatory regime, but it's not burdensome in comparison with some other market economies within the world.
Thirdly, we have investigative powers that we would use in terms of market conduct. Three years ago we called a meeting of market conduct regulators from other countries. We had eight or ten show up. In the last meeting there were 55.
We have an exciting world economy in terms of globalization, growing at the point that now you will see in those emerging market economies, where they look to some of our models, particularly on the consumer education side, the codes and the regulations, as models to go forward. Some of them face, in aggregate, between 75 million and 150 million new consumers a year in their markets.