I have three more questions and only one minute.
The first question has to do with payday lenders and the request from Manitoba, B.C., and I think a growing number of provinces for the federal government to put the Criminal Code rate of interest aside, so that provincial regulator schemes could be put in place to deal with a growing and serious problem. Are you prepared to act quickly on that and make this a reality? Manitoba has already introduced its legislation.
Secondly, with respect to the issue of mortgage insurance, which we dealt with yesterday at great length, I'm wondering if you would be prepared to consider putting some safeguards in place to ensure that all communities are addressed and no one is left out—that high-risk clients are still able to access the system and that the fundamental principles regarding mortgage insurance under CMHC are not lost.
Thirdly, what is your thinking right now on bank mergers? Is there any shift at all? I know you've said in the past it's not on your agenda. I'm wondering where it's at.
Finally, have I got time for one more?