In terms of taking a look at what you're asking for, of course, try to take a look at it from our constituent standpoint, because it's our constituents who have a lot to say these days, probably more to say these days about the banking system in general and credit cards and debit cards and everything else.
One thing that has been a strength here in Canada is the strength of our banking system—our financial system ranked number one in the world. I think even President Obama was quoted to say that Canada has shown itself to be a pretty good manager of the financial system and the economy in ways that haven't always been there in the United States. Canadians are very protective of that system. What I'd like to hear is a little bit about how the Canadian consumers' experience will change based on the changes you're looking for right now. What would you say to our constituent who might be concerned about this? How will their experience be better?