This was a government initiative. This did not originate with the industry. As we looked at it, though, it struck us that the rationale was fairly clear. In the ownership structure of Canadian banks, you have three tiers. You have the very, very large banks that have to be widely held, you have the middle tier of banks that can be more closely held, and then you have smaller banks.
Over time, two things have happened. There has been the normal growth in the marketplace. The second thing is that the regulatory community has required considerably.... We were already pretty well capitalized, but it's required considerably more capital to be injected in the banks, and those just naturally raise the limits.
My understanding, although this originated with the government and not with us, is that it's just an effort to keep the limits in sync with the normal growth in the marketplace.