It's not a matter of a hang-up. I've been around the CPA for a number of years and have worked very closely with most of the stakeholders. As Mr. Legault has suggested, we have a stakeholder advisory council that brings together all walks of life in the development of our rules. We do not produce those in a vacuum. We consult not only with the stakeholder councils, but very broadly with Canadians, and the development of our rules takes those consultations into consideration.
We believe that through our consultation forums we have received and have passed some exceptional rules. In fact, most recently, the online payment rule promulgated a little more than a year ago led to the rollout of Interac online. At that point in time, each of our members subscribed to the debit card code of conduct and the principles that underlie that for this rule, to give that added assurance and consumer protection.
So I believe the process of consultation, which is very broad, is very effective.