I think we need to look at it from where we came from. We came from a decade when there was, perhaps, not a lot of movement in this industry, for multiple reasons. I can't necessarily point to one specific reason that this happened.
Again, I think we came from a financial crisis from which Canada emerged very solid, and there was no real sense of urgency, as in, “Why do we need to fix it if it ain't broken?” However, we have realized that our failure to act has really been to the detriment of consumers but also to innovation. It's made us less competitive. We're now at a point when reforms are happening, and they're happening quickly, so, really, the focus should really be on implementation to get out of that period we're emerging from.