In terms of the existing opportunities, in 1992 the government allowed cross-pillar activity, and we've seen that occur. Manulife, for example, owns a bank. All the major banks have insurance subsidiaries and are very active participants in the insurance business--life, property, and casualty. So we have seen that integration occur.
There are still government policy restrictions with respect to large banks and large insurance companies getting together, and that's part of the broader merger issue that my colleague has noted.