Thank you for the question. I think this is actually a useful thing for us to talk about. The two things you're bringing up we see as entirely separate. As we think about the capital requirements for banks and for insurance companies, we're thinking about the requirements those institutions have in order to protect the people who are, in the case of the banks, putting their deposits into the banks, or, in the case of insurance companies, buying policies. We expect there to be capital requirements, because we want to make sure that banks or insurance companies have the long-term sustainability they need in order to pay out those depositors or those policyholders when the time comes. That is the sole way we're going to look at those capital requirements. With respect to the way those institutions decide to invest their money, that will be based on those capital requirements they have. That's the approach.
To the second part of your question, the Canada infrastructure bank is an entirely different body. This body is not a body for which there will be depositors, in that classic sense, or policyholders. Instead its goal is to increase the amount of infrastructure investment that goes on by using outside capital to come in on a project-by-project basis.