Very quickly.
I think it's very important when talking about financial regulation, as in regulation of any field, that we understand the consequences of regulating the minutiae and the picayune. I think it's vitally important that consumers have information about the choices they have with respect to banking products and insurance products and all the rest of it.
If we want to have a really productive Canadian economy, we must have an engaged Canadian consumer as well. And there should be expectations on the part of consumers that they take the time to seek out the information they need about the financial products that are best for them and to make the right choices on that basis. There needs to be a common effort here, not just a stipulation that financial institutions have to do this and that.