The main issue here is that, of course, we want to protect Canadian consumers. We want to make sure that they understand their situation when working with their financial institutions.
The main issue for us was that we wanted to make sure there was one approach across the country so that there was clarity and we didn't fall into a situation where perhaps there were different levels of consumer protection across the country over time.
We think that we have a strong system, that it compares well internationally, and that it is something we are required to be clear about for the future. We've done that, and we think it'll be positive for consumers.