It's perplexing. We don't come before this committee and ask for a lower rate; we don't ask for a handout.
We're quite comfortable with it. Desjardins is comfortable with it, and, as far as we know, so are the banks. It's pro-competitive in its impact, so why mess with it? It just is not clear.
We've had a couple of unenlightening discussions with Finance officials since the provision was brought in. But we react to this with perplexity: to us, it seems to contradict the government's agenda on jobs and growth and also what the government is trying to do to bring more competition into the financial services sector.