I'll start by saying that, in some respects, it's both. You have retroactive legislation that applies, potentially, all the way back to the introduction of GST. When I have—
Vice-President, Personal and Commercial Banking, Canadian Bankers Association
I'll start by saying that, in some respects, it's both. You have retroactive legislation that applies, potentially, all the way back to the introduction of GST. When I have—
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