What I can say is that monetary policy is an independent decision of the Governor of the Bank of Canada and the governing council. On all the other policies that are put in place, for example, decisions that the superintendent is taking around mortgage underwriting or capital requirements, or if the Minister of Finance were to adjust something or the Financial Consumer Agency of Canada were to adjust something, there's sharing of information among those agencies, so I would put the monetary policy decision to the side.
Generally speaking, adjustment to rules or analysis is prepared by the superintendent of financial institutions, and that's shared with all the regulatory agencies at the highest level in a body that's called the financial institutions supervisory committee, and the deputy minister of finance also chairs a senior advisory committee on financial policy matters, including the issues that are being discussed today, where the principals of those agencies are there.
These things are discussed.