First of all, thank you again.
It saved the sector at least $80 million, and most folks figured that was a pretty conservative estimate. Had we had to implement the changes that we thought for a while were going to be required, it would have been a huge effort and extremely costly. That's the starting point.
It's more difficult to capture the value of what it could have meant from a competitive point of view, because if we had had to adopt and socialize a whole new vocabulary around financial services and tried to communicate with members and potential members on that basis, it would have been extremely expensive and undermined the sector in very significant ways.
Finally, I would say that our members met last week in Toronto at a conference, and to a person, first of all, we're grateful that the Minister of Finance and members of Parliament not only supported this but also recognized how important an issue it had been over the previous year.