Madam Tedesco, following on the comments you just made, I agree. I think Canada's banks are really a model of stability to the world. Our banking sector survived a global meltdown about 10 years ago that consumed a lot of other banks in other countries. They've also made a successful transition to providing more online services, as you mentioned, which we can understand is a more competitive process, but they've done this and also made a lot of money. As a matter of fact, they've made record amounts of money at the same time.
I believe there's a bit of an unwritten convention that, as we provide that stable framework under which our schedule I banks would operate, it's fine for them to make money, but we want to make sure that they're not carrying out practices that undermine confidence in the whole system and fleece individual Canadians.
Do you feel we're at the stage where we would have to turn those unwritten conventions into written conventions, or is there still an opportunity for our banking industry to make self-corrections, so we don't have to go there?