I appreciate that, Ron, but I don't think you would ask the same questions as I would.
Thank you, Mr. Chair. Thank you, witnesses, for coming.
With regard to the consumer protection discussion, I want to get your comments, Terry, on the balance between protecting Canadian consumers and allowing the banks to operate. Have we achieved that balance, or in your professional opinion, where does that balance exist, and has any country, particularly in the G7, gotten it right?