Okay.
Here's my other question. Have you looked at the American experience? And without casting any aspersions on whether the competition is good or bad--and generally it's excellent--I think we all agree that having competition in the marketplace is a good thing we should probably encourage wherever we can.
Some people who are against competition, however, hold up the example of the American marketplace where a lot of people go into the insurance business and all of a sudden they're giving what some people would call kickbacks to the financial institutions when they're paying back parts of their fees in order to get the business, which they then insure. Is there any concern about that? Because after all, these are consumers'--taxpayers'--dollars that are ending up in the pockets of other financial institutions.