Thank you very much, Mr. McKay.
Actually, Mr. Dodge, as early as today, at the Ontario Economic Summit, was talking about the need for Ontario and Canada to move forward on more P3 partnerships and infrastructure spending. So hopefully that can occur.
We quite acknowledge that there's a debate around the relative productivity and efficiency of our financial services sector. Some people are advocating and saying we are not as competitive or as efficient as some of our, say, American banks might be, but there are also some legitimate questions about how that's measured, because in the case of an American bank, many of those banks are very different from those in the Canadian banking industry. So there's work that's going on through the Institute for Competitiveness and Prosperity, Roger Martin's group, and also through some of the work that the C.D. Howe Institute is doing and that the Bank of Canada is doing, taking a look at exactly that question.
So do we need to improve productivity and efficiency within financial services? Absolutely, and competitive regulation and taxation can help us do that.