We've recently looked at the FCAC, and we saw that they established rules and guidelines and then they told the banks to self-regulate.
In our experience in talking to hundreds and hundreds of people, if you listen to what the people are saying, it's contrary to what you're reading in the codes of ethics and the rules and guidelines that the regulators provide. There is a great difference between the two. I tend to put more credibility into what people are saying rather than what I hear from the regulators.