I appreciate that, but if you have a situation where financial institutions like the Bank of Montreal—and there's a lawsuit going on—actually continue to process the conversions and charge the clients the conversion fees, notwithstanding the law and without telling the clients, it's not an FCAC responsibility but a government responsibility, or, I would think, OSFI's, given your role to maintain public confidence in our financial system.
Somebody has to be responsible for this, and if it's not the consumer agency—and it can't be—it must be you, or somebody.