Yes. Obviously we need to ensure that we can be as efficient and effective as possible. I think some of the things we've talked about today are extremely important to ensure that, including an effective tax regime and ensuring that we have the proper training and education in place, but also of course there's the issue of regulatory overlap and burden.
We're an industry where every province and every territory has a regulatory responsibility. All our members have to be licensed in each of those jurisdictions. So it's vital that we have an effective regulatory system so we can provide the services to Canadians on both the life insurance and the wealth management side. In the absence of that, costs increase and pension costs for individuals increase, and we're not able to provide the same investment opportunities for Canadians. So we need to have an efficient and effective regulatory system in this country.