That's a good question. There are a variety of reasons for that.
The first one, as I said in my opening statement, is that we have a bias towards earlier action. Our system will be sounder if we oblige the institutions we regulate to move earlier and sooner on this and to begin to do this maybe a bit before other institutions.
The other reason is that Canadian financial institutions operate in a global context. They raise funds from outside Canada in order to invest within Canada. Their investors outside Canada expect this type of discipline from those institutions. They also look to the regulations OSFI puts in place, and they're measuring how responsible the financial system in Canada is when they do that.