Another one would be some of the overlaps in the exemptions. I did give the example of an existing business relationship and a business-to-business relationship in the GIC regulations.
I would have to refresh my memory as to which sections, but there is also, in the GIC regulations and in the act, an exemption for inquiry request complaint, and there's another one in the regulations. They're almost identical, but the time periods and the provisions for the exemption on consent are different. They're very similar, and consumers and the industry cannot distinguish between them.