Right.
You touched on it at the beginning. Looking at your graph on page 5, I agree that this is not something we've seen a massive trend in. It may be, as Mr. Fong said, that we just don't understand the underlying part of it yet.
I don't think when Uber, Airbnb and those types of things started they were really intended to be full-time careers or jobs. They were intended to be some fun money on the side, but we've seen them start to grow into those full-time careers.
Ms. Morneau, you were talking about addressing some of the regulations on that side. Can you quickly give me a couple of things you'd like to see there to address that?