No, I'm not saying that.
I'm saying that a lot has happened since 1995, a lot has happened. There have been very high switching costs and very high start-up costs, and the relationships that we currently have in place are very deep. For these folks to change those relationships with lenders, they're going to have to work very hard to come up with something new. I'm interested, as you are, to hear what that would be.
At the same time, we believe the Canadian marketplace in general has been very well served. We want to make sure that we don't end up in a destructive type of environment, where new players start coming in and creating an environment that's not positive for homebuyers. That's why we're requesting the legislation.