We have an ongoing debate, and unfortunately I'm out of time.
I would like your comments on that between the time the legislation hopefully passes and the regulations. If I can get some further comment from the three or any one of the panels who want to comment on that, I would appreciate that as the chair.
Mr. Benson, I would also appreciate the end of your story to Mr. Van Kesteren. We don't have time to finish it now, with respect to OSFI, but if you want to submit that to me as the chair, I'd appreciate that as well.
I'll go to Mr. Brison.