Okay. Another question. Our time is limited and the chair is very stringent; he's not very lenient.
Last year we spoke about certain costs duplicated between the Office of the Superintendent and the Canada Deposit Insurance Corporation. Now I see one of the achievements in your annual report is that you have some arrangements with FINTRAC. FINTRAC was created a couple of years ago, they're nice and proud that FINTRAC has been created, but with all these organizations that we're creating, is there a duplication? Has there been any effort to try to streamline them? I know it was mentioned in last year's budget, but we haven't heard anything.