Essentially my answer is similar to Monsieur Gardner's. In fact, it's not up to the bank to govern the Elections Act, it's up to Elections Canada to do that. Just the same as if somebody votes twice, you don't expect anyone else to look after that, it's the responsibility of the commissioner. So I think that's the most important thing.
The other thing is, and again in terms of guarantees, this comes back to the rebate assignment in large part as part of the answer to this question, and that is where I think most ridings and most campaigns are going to find themselves relying on that guarantee.
There's also, frankly, the reality that our ceilings are low enough, I think. In the opinion of the party, we think the ceilings right now are low enough that in fact it is possible to raise the amount of money that you need throughout the year, throughout the period of time that you have between elections. Although elections are happening more frequently than they probably used to, despite that, there's still enough time to be able to raise the sufficient amount of money. So actually loans may not even be necessary, and that's the hope of all riding associations in campaigns.
We don't always work very hard to do that, unfortunately, but that is certainly one of the answers to how we get this accomplished.