I appreciate that clarification.
Mr. Lee, thank you for your comments about the securities regulator, that it is voluntary and that provinces can opt in and out if they want. Let's hope they will all opt in when it actually happens.
You talked about leasing and banking and automotive. I happen to be sitting in on a subcommittee on the automotive industry for the industry committee, and there's one individual who keeps blaming the banks a little bit for the automotive business being in trouble. But the banks are not in the leasing business; they're in the business of loaning money on car loans, and they would be evaluating those car loans based on the credit risk of the individual asking for them. Is that not correct?