Mr. Chair, if I may, I think the question that is being asked is more directly a question for our Department of Finance. It's a policy question issue.
I know as we were looking at implementing and putting together the IGA, the intent was to find a way for Canadian financial institutions to be able to respond to and respect the obligations that the FATCA is imposing on financial institutions globally and to do it in a way that would provide them with, if you will, the protections of the existing tax treaties for information exchange that we have with the United States.
I think what I can tell you is that a lot of work went into trying to work with American counterparts through the Department of Finance to determine the parameters of that agreement and finding a way that kind of balanced the need for reporting with the impact on Canadian financial institutions.