There are lots of questions. I'm going to start with a couple of specific ones.
I noticed in the news recently a lot of focus on payday lenders. I'm wondering whether, in your role as Canada's chief financial institutions regulator, you would have a view on the need to regulate or have regulations in this area, and whether you have any comments on some of the developments around this--for example, the desire on the part of the Manitoba government to open up the Criminal Code in order to be able to have rates set through the Public Utilities Board.