I think we're already seeing it happen, particularly in the last couple of years. We're seeing a lot of large consolidations of small brokerages that are selling to large corporations, as I mentioned in my comments, either backed by private equity firms or by insurance carriers or whatnot. We're already seeing it.
We have a large number of brokers—3,400 brokerages in Canada—that primarily have fewer than 15 employees, and they have to make a choice to sell to a large corporation with deep pockets or to pass it along to their family that is working alongside them in the business. If the playing field isn't equal, then they're going to make the best decision for their retirement.