In answer to the first question, over the past several years since the financial crisis, CDIC has been given a variety of tools and powers, but it's never been formally designated as a resolution authority. But many of the powers and tools they have would allow them to resolve a bank in the case of a failure. In that sense this is mostly a formality to say they have this power and that they can require banks to provide the resolution plans.
As you know, in budget 2016 we implemented the process for bail-in. It's a relatively new process internationally in which you issue debt and securities that would then be converted into common shares in the case of the failure of a domestic systemically important bank, and that process has been under way. This is a clarification of the roles and powers of the superintendent within that process. The legislation is in place, and we'll be working toward putting regulations in place.