Okay.
Another question I have for you is this. Unfortunately, or fortunately, I'm on both this committee and the finance committee, and of course we review the Bank Act, which we did a few years ago. The banks are not allowed to use information they have in their branches to sell me insurance they may be providing. Not all banks provide insurance products, but some do. If my e-mail address is online for my bank, provided for mortgage purposes and other purposes, is it the bank's right to use that to send me information about insurance products they would like to sell me? Does the Bankers Association have a position on that?