Again, we have to say that many of these things we've had before us. Mr. Liepert was quite clear last time that there are allegations we've heard on different shows, like Marketplace, but it's good for us to talk about these kinds of cases in general terms.
I'll go to my next question. We're asking the question about individuals and how they behave. If someone is acting unethically and signing people up for accounts that they didn't sign up for, or has initialled where there was no consent, to me, you would hold the person that was doing that accountable. You say, though, that it should be the system that is held accountable for that person's actions.
What about also someone's licensing? If they are licensed in some way provincially, is there not a code of conduct or a code of ethics like other professional, credentialed individuals?