Thank you for the question. If I may, I will answer in English.
We do not have a position, owing to our role as the enforcer of the Competition Act, as to the effectiveness of that kind of regime. It's not something we have studied in depth. That's not to say that we have not looked at issues in the financial sector, as my colleague has said. Where there has been a need for enforcement, we've brought up those cases and brought out our mandate in that way.
We have also continued to monitor these issues, and as developments have happened in the system—for example, with the code of conduct on credit cards—we have made submissions to Finance Canada on how competition can work to its fullest. However, that is where our role ends.
We have not done a deep study that evaluates the effectiveness of those different approaches across other jurisdictions. If we did, our role would be about competition and the effectiveness of competition in Canada.