In terms of the amendments to the Bank Act, we're entering now, of course, a period of discussion around the Bank Act where we will be potentially amending the Bank Act further. Why would these amendments be part of this legislation as part of a more fulsome reform of the Bank Act, which occurs every five years and is coming up in the next, I believe, few months? The Bank Act is to be...by 2012, so why would this amendment to the Bank Act in this legislation not have waited until that round of reform?
