I would agree, but I would also say, Mr. Wallace, that we, as an industry, need to respond to the cost of borrowing regulations, and chances are that behind every one of those darn little paragraphs there is a regulation that makes us explain that. So now we have a whole bunch more regulations, which we're going to have to add to.
That said, I know there are some suggestions in the regulations the government has brought forward--for example, to put a box very clearly on an application that will provide the top statistics for the consumer. Boy, if that helps, and if that does clarify that for consumers...obviously you can't do enough to explain it.
There is a representative here from TD who I know is going to speak to every one of those little paragraphs and codicils--