Well, I can speak right now to the motivations to launch the study itself, which were based on observations that you mentioned and studies, as well, that suggested that it's in the public interest to examine what's happening. It goes to the core of small and medium-sized enterprises in Canada. They are the backbone of the Canadian economy and are critical for productivity, for innovation and to bring competitive intensity in all sorts of markets across Canada.
Some of the data that we referenced and that you mentioned.... Another is just the disparity between the interest rates paid by small and large businesses. It appears—and this is based on a study cited by the OECD—that in Canada the disparity is bigger than in other countries. That is prompting us to ask why that is. We know that the financial sector is concentrated.
Right now, we're at the stage of our study where we're considering views of stakeholders for 30 days as to the scope of the study. That is going to inform the breadth of the issues that we're going to be examining, where we're going to get our data from, and stakeholders as well. We look forward to hearing from all interested stakeholders. From our perspective, this is a very important study, given the importance of small and medium-sized businesses to the Canadian economy.