There are a number of issues that we're working on outside the scope of this bill, issues that we'll continue to work on. I mentioned the voluntary code for electronic transactions, which is an important one, we think. The issue was raised of a common securities regulator. We think that is also good in terms of investor protection, and I think we need to continue to work on that. So there are a number of important files that we'll need to work on.
We're also continuing to work with the provinces, and collaboratively with the provinces, I might say, in further strengthening the ombudsperson services, which we think is an important part of the system.
And the FCAC is going to evolve over time. We think there is scope, for example--and I think the Senate committee indicated this, and other well-spoken individuals have mentioned this need--to ensure continued consumer education, financial literacy, and so forth. Those are issues that governments have to continue to work on.
This bill admittedly, in the consumer area as in others, does not do as radical a change as in 2001, for example, when the FCAC was constituted, but it does enhance disclosures and it does provide some tangible benefits. So it's one step along the way, responding in part to the Senate committee. There is more to come.