Yes, I think there is. I think the fact is that the government hasn't suffered the main cost of the extreme clarity that currently exists. In other words, it's hurting a sector that doesn't really have much of a voice and has generally not been well elevated. I do think it can be resolved in a way that will keep integrity, but allow for a great deal of innovation.
As to reporting, I think there's a great deal of information provided by Canadian banks. It's not provided in a form that would easily allow communities to understand, for instance, the level of their deposits by census tract or by postal code versus the level of lending. It would be really interesting to be able to compare where deposits are taken and where they are put back as loans. Again, it would just be instructive and it would probably just help the banks to focus more clearly on where their business should grow.