We can safely assume that the Department of Justice, in its service to the Department of Finance in helping to draft this legislation for the government, has exhausted all of the necessary reviews before putting this legislation before Parliament. We're here to refer to the specific provisions and the policy intent—and we can talk about that—but I think we can safely assume that vetting has been done. We can't speak to all the processes, though.
With respect to the paramountcy provision stipulating that the rules here have greater weight than those of the province in this narrow area, let's try to be clear: this is the regulation of banking, and the regulation of banking as expressed through these provisions that apply to the consumer and dealings with the public. Often, in most provinces, they have laws of general application that apply to consumer issues, and in this case there is a comprehensive, dedicated set of rules that apply holistically to banks in their dealings with their customers.
Many other areas outside the scope of what is covered in this part still apply, and there's no interference in an individual's right to seek redress and remedies over breaches of contract or other issues. That remains intact. This is about the narrow provisions that apply to this particular part of the regulation of banks and banking.