Okay. I appreciate that.
I'm going to ask a second question about estimates generally. My third is going to be about OSFI; that's just a hint for the OSFI individual to come to the table for the third question.
For the second one on the estimates, as parliamentarians we deal with estimates and we deal with public accounts. It's an awful lot of information. Frankly, I find the three-year comparison very helpful for me. I find the explanations in the estimates this year much better than they were last year. I certainly compliment the department on that.
Could you perhaps explain to Canadians watching this that in terms of estimates we have the main estimates and then the (A)s and (B)s and so on? Sometimes that is a little confusing to your average Canadian. Could you explain the challenges for your department, not on the statutory side, perhaps, but in terms of trying to forecast what the department will spend in the upcoming year?