Just to clarify, the non-viability contingent capital requirement exists, and it's administered by the Office of the Superintendent of Financial Institutions.
As you correctly point out, what we're proposing to do here, through the legislation, is to have eligible senior debt be available for bail-in.
Before the regime would be able to come into force, the legislation would first need to pass. Subsequent to that, there are a number of regulations clarifying particular components of the regime that would have to be put in place. Before those regulations could be passed, they would be pre-published, and there would be a consultation period before that. So it is still a number of months even after the legislation would pass until the regime would be in force.