Okay, but banks do compete with mortgage brokers. I'll pick that example because it's the one I'm most familiar with on a national level and in particular in my home province. The industry is somewhat seized with questions of product suitability, which you've identified, so this is not an even playing field. These are provincially regulated entities trying to compete with this small group of large lenders. Have you examined differences in how those that compete with the banks have to address things like product suitability?
On May 28th, 2018. See this statement in context.