Mr. Turner, we have introduced the products in 2006 to address exactly the segments of the marketplace that Mr. Charles just mentioned, whether it's people new to Canada, whether it's people with less than perfect credit, or whether it's people in business for themselves. Those are all products that we've launched.
I think there are always opportunities to make a broader, better product.
I think also there is a level of agreement here--that is, if there is to be no adverse selection and there is to be a 100% level playing field and there are to be safeguards in place to prevent inducements, then let's just make sure they're there.
If Mr. Charles and his company and other competitors are willing to compete on that basis, all I'm saying is make sure that's in the legislation before they enter the marketplace.