Again, our focus is on safety and soundness. The issues around appropriate disclosure of products to customers are either matters for other market conduct regulators federally, like the FCAC, or the securities commissions. We have focused on income trusts, though, from a slightly different perspective, because one of the issues that's out there is whether it would be possible for a financial institution to turn part of their business into an income-trust type of structure. We have focused on thinking through--in concept, at least--in advance of receiving any specific application. We're not talking about a whole bank becoming an income trust, but there are smaller organizations or parts thereof. We've concluded that we would need to look at such an application for approval under the statute case by case. We would use the criteria that are already in the statute. We'd look at the ability of the organization to continue to raise capital if it was an income trust structure, and those types of things. There might be some cases where that would be appropriate, so we haven't ruled that out a priori.
That's really the role we need to play in the income trust area.