I'll give you a general answer that goes back to the question Mr. Adler asked.
In terms of financial reform, and the example was on derivatives but there are other examples, there are some initiatives that we're hoping are going to come out next week —I don't want to pre-judge the G-20—that relate to enhanced disclosure of financial institutions, related to their risk profiles, the business models, and other aspects.
In general, we are encouraging greater disclosure of financial information and risk profiles and transactional information. I would say that obviously in all cases, we are encouraging disclosure by all sides so it's not just one financial institution, but all financial institutions and both sides of the trade in a derivative. One of the challenges internationally, of course, is these are international markets. Canada will disclose, but we want to make sure that the Europeans, the Americans, the U.K. etc. disclose as well. That's the way the system works. In the end that's why reforms, such as the two I just referenced, in our opinion, have to be agreed internationally and implemented internationally at the same time to be effective.