Thank you.
Mr. Finnie, you mentioned an interesting idea. You spoke about collective savings schemes, which protect individuals better than their individual investments do. That's an idea to be developed. You said that it could be CPP but that it doesn't necessarily have to be. There could be other possibilities. Adjustments would have to be made when a crisis occurs, such as the one in 2008.
If I may, I would like to ask you the following question. Could we put in place international policies to avoid a crisis like the one of 2008? Can we prevent speculators from taking on numerous bad mortgages and selling them on the market as a financial product, which is completely toxic? Can they be stopped from creating a financial product, that they then bet against, after selling it to investors?
Are there rules to consider that could prevent a crisis like the one in 2008?