From our perspective—if I understand the question, so please correct me if I'm not answering your question—we feel that the timelines are sufficient.
Does that mean we are going to continue to need to improve our data collection? Yes, we need to continue to improve data collection.
An issue that comes with that is that we need to find a lot of that data from small businesses and from our membership. That will continue to be something that needs to occur. We are supportive of those timelines.
In terms of whether small institutions are treated fairly by OSFI, I can speak only to the small bank that we have as a subsidiary. We don't have any issues in how we are treated by OSFI.