That's great.
So that confirms that there was a process in place. I think that's what Canadians want to hear, that it wasn't just something government was doing heavy-handedly; it had the cooperation of a variety of partners, in this case, to see this type of legislation come forward. That should give comfort to the opposition members, that there was a good process followed in terms of recommendations.
As you said, Frank, it might not be everything you want, but at least you were consulted and talked to.
Terry, one of the things we're seeing in this bill--and I'll read it in terms of today's legislation--is that the government is increasing the “large bank” ownership threshold.
Can you explain why this is occurring, and what impact the increased ownership thresholds will have on oversight of financial institutions?