Certainly, I've always advocated transparency. To use the technical jargon, financial markets are more efficient when there is more disclosure of information because consumers can then make informed choices.
In terms of vehicles, such as structured investment vehicles and derivatives, the people buying these products are not “ordinary” consumers. For most consumers, average Canadians deal with a credit union, a bank, or a credit card, but do not deal with a structured investment vehicle. They're certainly not buying credit swaps, which is a different market. Some sophisticated investors were getting around the regulators and regulations by going outside them, because they could run up the leverage ratios and make more money, but it then blew back into the regulated financial system.