On the second question, Mr. Rota, I think you were asking about the type of regulatory system. We would clearly endorse the fact that the best regulation is fierce competition and very good information and disclosure, and also a lot better financial literacy among Canadians. We already have cost-of-borrowing disclosure regulations. They are very extensive. We have new regulations that the government is just in the process of consulting on. We have the FCAC, which monitors all kinds of consumer-side complaints and problems, should there be any, and provides additional information, which is very useful.
Our feeling is that regulation is not necessary in this context.