I'll get back to one of the substantive issues that I think the Canadian Bankers Association brought up, which was about retroactivity. I realize we had a lengthy discussion, and Ms. Dzerowicz did not like my metaphor there.
This is not a tightening provision, of course. It's to the benefit of the taxpayers, which is a good thing. I'll put that clearly on the record.
Why would we not make this provision retroactive?