Lastly, I want to go back to your association, Mr. Braid, the Insurance Brokers Association of Canada. One scenario I've thought of since we chatted about this earlier today is that there may not be the ability for the consumer when they, let's say, sign up for a service through a bank, and the bank is using a permitted entity to offer, let's say, a special app that they could use to diagnose their spending habits, etc.
Are you worried, though, that there could be some sort of referral activity that is happening, where it's not necessarily a direct tie between the bank—where it's selling insurance and other products—and another entity, but there is almost like a referral? The thing is, consumers would never even know it unless they asked whether their information was shared with another entity. Do you think there are enough provisions right now to ensure that when that information is shared with a permitted entity that's where it stops? Do you think that some of these other practices might be close to crossing that traditional barrier?