I think they're two different issues. Financial stability is well managed by OSFI. The nature of competition today is probably going to be more regulated by the marketplace than any current body that exists. I would certainly pick up on the point made by my colleague from the Royal Bank. It's very true that if you don't serve the customer in all areas in which the customer requires service, you're going to be at a disadvantage.
So again, we don't believe that heavy regulation is required in this environment. The marketplace will dictate where we have to go, and the government will have the further benefit of a public insurer to pick up in those areas where they don't.