I think that's a very good question. I can only answer on a personal basis, because I think this is the realm of the finance department of BDC. I believe that some form of regulation will be needed if we want to avoid this catastrophe in the future.
You're quite right, they will come back. Typically those players will come back to the marketplace when they see that they can make a buck, and typically they will try to exit before the storm starts. I'm not sure they exited this time before the storm started. That was interesting to watch.
You're absolutely right. Whether it's the same players or new players, they will come back. We have a wise government, and I suspect that this is under serious consideration. Maybe they don't need the same kind of legislation as our top financial institutions in Canada, but certainly they need some form of legislation. I'm not knowledgeable enough to suggest something.