Thank you.
In reference to something a little more technical, this is proposed subsection 627.1(1) on cancellation periods for a product. Sometimes you hear from consumers that they'll enter into a product or service or sign an agreement for a product or service and then not have any recourse if they didn't understand or feel they've been misled. Can you clarify that in terms of, first, the recourse the consumer has, and second. the obligations of the institution?