My next question is unrelated. I know you haven't had the job for very long, but you have for a little while. To be frank with you, I'm not familiar with how the central bank systems work in other countries, particularly the other countries of the G7, to which we belong.
I heard some comments you made about how, because of the way the legislation is written, there is less flexibility in some of your opportunities, from your perspective. Are there other jurisdictions in which the central bank act, or whatever they call it, or their system is doing things we should be doing here? Do you ever get an opportunity to make recommendations to us on legislative changes you would like to see in the banking system for the central bank?