Sure. The report does outline a number of opportunities for us specifically to strengthen our oversight of banks' sales practices risk. In terms of this review and the next steps, what follows from what we've already done, we have the institution-specific reports that will be going out to them, and we'll be working to make sure that the recommendations that are in those institution-specific reports are implemented. We will also be doing a mystery shopping exercise this year to see if we can validate some of our findings. Then we will be cascading our review down to small and medium-sized banks.
Internally at the FCAC, I mentioned our new supervision framework, which will allow us to zero in on the banks that present more risk to consumers, and guide our efforts towards those financial institutions. We will also be increasing our bench strength in supervision and enforcement, and we will be enhancing our consumer education materials as well so they're aware of their rights and responsibilities and are able to make informed decisions about whether or not to buy certain products. We will continue to investigate those potential violations of the consumer provisions under the Bank Act.