The deep problem we have is that we don't want to set up a whole set of laws that interfere with the free marketplace and the ability of business to do business. We don't want to increase the cost of business to the taxpayer and, ultimately, to the consumer.
But I agree with you that real estate, based on what we heard anecdotally, is a problem. We did not get direct evidence about that. I suggest that if your committee is interested, unless there are time pressures, it take a look at that question. I would take a look at them pillar by pillar. Insurance has nothing to do with automobiles. Automobiles have nothing to do with jewellery. Jewellery has nothing to do with lawyers. Again, I'm not criticizing the lawyers; I'm just saying that we want them to set up a voluntary code to deal with this issue within their solicitor-client relationships.
My point to you is that I think each of them has to be dealt with separately, but there's no question at all, based on the anecdotal evidence and the information we received both during and after our hearings, that these are gaps. The question is how you close the gaps without affecting the free commerce in the country. It's complicated, but it's pillar by pillar.