Let me come back to the first part of your comment to say, once again, that the Canada infrastructure bank, on a project-by-project basis, will seek outside investors. That is exactly what we hope to do in order to increase the amount of infrastructure investment in this country. The advantage will be that we will have outside investors. This will allow us to do more, and it is entirely separate and distinct from banking or insurance company regulation. The two should not in any way be confused.
With respect to the decision to not allow excise tax to decline over time, we've decided that what we will do is ensure that inflation, which occurs in our economy, as you may know, will be considered, because the excise taxes will be subject to inflation, just as other aspects of our economy are subject to inflation. That, we believe, is an approach that will be a long-term positive and will make excise taxes more predictable over time.