I guess I'd have to say there's only a part of that we can deal with effectively. There are certainly much broader questions. For example, part of the question you've asked related to areas that are significantly outside my mandate in terms of investments.
With respect to the mandate that I have from Parliament, what we do is ensure that the banks actually follow the rules. Most of the Canadian consumers you're talking about have ongoing relationships and they have contracts, of course, with their institutions. Those contracts will, of course, determine what the relationship is.
I didn't understand from the way the motion was originally drafted and the question that I saw...what you were looking for was the effect, I thought, on the consumers themselves. I guess the agency gets relatively little information on that directly. The most direct information we would get on the effect of what's going on in the market right now is from inquiries and complaints that we would have, and on the basis of that stream of information, I have to say at this point in time that there doesn't seem to be any effect upon consumers. We have noticed no increase in concerns related to credit matters.