I think my comments would pertain as well to the specific issues you raise.
Once again, on the insurance issue, in the last consideration of changes to the Bank Act, the government decided it was not going to entertain that particular situation. The banks understand that and don't necessarily spend a lot of time talking about it.
I was trying to make the point on the regulatory streamlining rather more about the kind of regulation that banks are subject to right now, be they federal or provincial, and the fact that we're not calling for less regulation but for smarter regulation. We're calling for streamlined regulation.
It is a wonder to me that any of our bills get paid in any bank with the kind of regulatory burden that banks have to overcome.