From the side of the average Canadian about where to turn or where to get answers, is this where your recommendation—I tried to write it quickly, so correct me if I'm wrong—for a national consumer regulator that would...all the different silos that exist.... We heard testimony, too, that there are constitutional issues in terms of jurisdiction. If there was some kind of national oversight to ensure that there....
Is your suggestion to ensure that the regulators, as we heard from Mr. Elford, are actually regulating what they're supposed to be regulating?