Just as an aside, and to answer your question, we oversee at the FCAC very specific provisions under the Bank Act. They're called the consumer provisions. Those provisions are very, very specific and make up largely a system that is essentially a protection regime that is based on disclosure and some business practices. I think what your question is directed at is more the business practices of the banks. We have a few regulations on bank practices, but we don't have many, so we can't exceed our mandate and investigate things that we're not entitled to investigate.
On May 28th, 2018. See this statement in context.