Yes, that's exactly right. We have been talking about this for a while. There are a couple of different elements. There are the capital rules and there are these related party rules within the Bank Act. There are tax rules. I have to say that these are thorny issues, but we are working ahead on them. Of course, we'd be delighted if the government said they're going to amend the bill, but these are thorny issues.
From our point of view, sir, this is an issue of the efficiency of the regulatory system and the ability of financial institutions to structure themselves so that they can serve the customers better or be more focused on how they can allocate their resources both here in Canada and internationally. We think that—