If I may answer, this goes back to the question that the previous member had. For a number of provisions that were previously in regulations, the main tenet was brought into legislation to provide a comprehensive view of all the consumer protections for Canadians. There are still regulations required, and in turn guidance that will come from the regulator, given the continuous changing nature, to the point the member made earlier.
This is an area that needs specific guidance, either in regulations or with the regulator, to make more specific what those terms mean. We will consult with the industry in that regard. It is difficult to put these specific provisions in the legislation for the very reason we just talked about at the committee.