All right. Thank you.
Mr. MacDonald, I really liked your statement that the sector is in a “perpetual state of start-up”. I don't like that—I'm not saying I like that—but I think it's a good description of the world in which you operate. You have to start everything all over again, and yes, that's a perpetual state of start-up.
Now, you mentioned that one way to perhaps address that is to have the CRA act as a regulator. I wonder if you could expand on that a little bit. I know that the CRA plays a big role, but how do we go from there to a regulator?