To my mind, you do not offer, unfortunately, any major guarantee. If you do not issue warnings to ensure that investors do not become victims of fraud or do not become unwittingly involved in fraudulent financial activity, you are not giving me any guarantee that you could issue warnings to all investment advisors. What you are saying does not reassure me.
Seeing as I do not have a lot of time remaining, I would like to put a brief question to Mr. Buell. Among your recommendations, Mr. Buell, you ask that the government bring forward improvements. Earlier, you answered a question put by Mr. Menzies on this topic. Now, as regards the credit-rating agencies that are at the heart of these bad investments, can you tell us if, in light of all of the information you have, we could adopt a specific rule or otherwise improve the situation?