My final question is on the regulatory framework to protect consumers.
Mr. St-Amant, you talked about that. I think most of our witnesses here have discussed it one way or the other.
The difficulty here—and I think all of our witnesses have had similar points to make—is that it is still a moving target. There's no firm prediction on where the end point is or whether there will be an end point.
At the same time, I think we have some agreement that we need a regulatory framework. The question for Mr. St-Amant is this. Is it your thought that it should be through government rather than voluntary regulation?