I have a minute? Yes, so at a really high level, maybe I'll start with the TOSI part first, because Mr. Goodis made some comments.
I would agree with the comments made in terms of complexity. I think there were easier ways to do it. I think the investment rule was made more simplistic, so we were happy to see that, but there are a lot of issues. The main thing, really, as was mentioned, is that a lot of guidance does have to come out from the government and it does appear to us as well that it's really going to be a tough go. I think the rules do need to be simplified.
Just more generally, you mentioned innovation, and one other thing that we think needs to be worked on is the scientific research and experimental development credit. It needs to be improved, maybe both in terms of application but also in the administration. I know the CRA is working on it, but it needs to be improved. We keep hearing that companies, large and small, need certainty in terms of whether they will get the credit and in terms of the amount of work they have to go through to get the credit.