It's a well-directed question, and I think my colleague did address it.
The problem with the Canadian securities regime and why we stand out as the only country in IOSCO, besides Bosnia and Herzegovina, that doesn't have a single regulator is that there hasn't been enough enforcement. It goes to Mr. Buell's point that it's harder to coordinate when you have 13 different groups and national firms. That's the key advantage. All our industries will benefit from greater scrutiny and better enforcement. It enhances confidence, and it's going to get the credit flowing.