Believe it or not, I think we're the best in the world in terms of solidity and security. The Canadian life insurance industry has a record of financial soundness that I think is unmatched around the world.
We have a strong regulatory regime. We've had it for many, many years. What this regulatory regime requires is a substantial set of risk-based capital requirements. Canada was the first life insurance industry around the world to determine through the regulatory regime the capital requirements, based on a very careful assessment of the risks the financial institution was assuming. The capital requirements in Canada were imported by the United States.