I want to ask you about another thing, which is not in your presentation, but it relates to the fairness of the application of some of the new rules, the TOSI rules, which I know you are very familiar with. It seems to me that for a lot of small businesses, particularly husband and wife operations, the rules appear to be quite discriminatory against the spouse.
Can you comment a little bit on that? I know it is a big issue. We've heard from many presenters about the TOSI rules.