Actually, Mr. Knight, I was just going to segue off Mr. Del Mastro's question and give you a chance to conclude. One of the areas that a number of our committee members have alluded to is consumer awareness. Some of the work you've been doing, some of the publications you have available--would you like to outline some of those?
My only question other is with respect to the mortgage penalty clause issue. I understand that your organization has done some work with the banks themselves to try to encourage them to be more transparent and consistent in communicating penalties and so on in their mortgage practises. I'd like you to outline whether that work is continuing and to what degree you've had some success in that.
Finally, on the issue of mortgages, a lot of agencies, mortgage brokers and the like, are issuing mortgages now. It's true that those are not under your jurisdiction in any case, I believe. What, if any, proposal would you make to our committee as far as how we might be able to provide a more level playing field in respect of those who issue mortgages as to their transparency practices, their penalty practices, and so on and so forth, in communicating with consumers across Canada? There's an increasing concern from consumers, I think, that they're not getting their full information in terms of the mortgage issue. Whether it's prepayment or changing of terms, they seem to be surprised more often than not about the penalties associated with such changes.
So there you go. Please conclude, and thank you for being here.