Fair enough. In terms of process, I think the best answer is just that we have raised this issue with the department. We have worked through our technical concerns in some detail in order to have the department understand them.
Our sense, sir, is that the legislation itself just talks now about plans. If you go through and try to sort it out, it's not at all clear what the disclosure would apply to. Is it a plan itself? Is it the products in the plan? Is it the accounts? RRSP registered accounts can have deposit accounts and can also have mutual funds and other things. It just isn't clear.
There's another issue. As you know, we're talking about the Bank Act, but the bill also amends a series of other statutes, including the Trust and Loan Companies Act, for instance. Trust companies can offer these things on their own account, but they can also act as trustees, which means a whole range of other plans can get sucked into the ambit of this, perhaps unintentionally.
The approach we're trying to take is to work with the department and suggest some areas that they may wish to consider, and we'll see how that goes.
Linda, is there anything you would suggest on that?