I wanted to actually get to one other question, if I could. I'll just throw the other question out and then you can answer both of them, if you want.
We did have a consumer advocate at the committee at the last meeting who argued fairly intensely that the penalties are simply not strong enough to deter the type of behaviour that she purported was happening in the industry--negative behaviour to the detriment of consumers. She made an argument that significantly stronger penalties were needed.
I'd like to hear your comments on that and on whether the penalties within this legislation are strong enough or whether you think significantly stronger penalties are needed. I have a feeling I know which direction you might go with that, but I would like to hear it for the record, if we could.