Secondary markets are usually not as transparent as a primary market. You spoke earlier that the aim is to be fully transparent. I'm going to leave that thought, and I'll come back to it in a second.
We've made it very clear that depositors are not included in this regime, which I think is an important message to send to Canadians, so they understand what the model is trying to do.
Hard-working Canadians have put a lot of investments into pension funds. Obviously, you have the Ontario teachers and their very large pension funds, but individual investors have also put money into banks and whatnot.
Many Canadians invest in banks and often they may or may not have put in the time and energy to investigate a bank, where it's at and its viability. In this unprecedented remote scenario, If a bank were in a conversion process, would that put their investment at a disadvantage?