As a general matter, I would say that the issue, from a consumer's perspective, is not specific to rating agencies. In fact, rating agencies would be of relatively little interest.
There are market conduct rules. Most of those market conduct rules are actually within provincial jurisdiction, under the securities regulators. We have one piece of that ourselves, with respect to certain investment-type products that are distributed by the institutions I regulate.
The key component there is really to focus on the sales. It's the “know your client” kind of rule. That is what would be applicable. I wouldn't see that the rating agencies per se would have a direct impact on consumers, except through the “know your client” rule. That is a very different focus, I would say, from the question you're asking.