Fair enough.
Here's the thing. We touched a bit on the RBC-HSBC merger, and I appreciate.... I think you said to my colleague that you hadn't done an analysis of that transaction, which is fair enough. I appreciate that's not the role of the Bank of Canada. However, I wonder, based on the general principle that you enunciated earlier—which is that competition is a great thing—whether you may have some impressions about having one less financial player in what is already a very small field, the Canadian financial industry. What would it likely mean for Canadian consumers, particularly when the financial institution getting eaten up in this case is one of the ones offering lower mortgage rates than RBC?