I'd like to address that question. If I understand correctly, could new competition increase the level of risk in the marketplace, and will that increase the level of risk the government has to pay out on its guarantee?
Clearly, there are many safeguards in the current system today. The degree of oversight from OSFI and the requirements to establish a company to compete, to maintain capital and to maintain operating standards, are very high, as established by OSFI. We clearly envision complying with and exceeding all those requirements, as we do in all the countries in which we compete. So ultimately, even though there is this government guarantee mechanism, it is viewed only as a backstop, as a contingency, and not something that would ever be called upon in reality.