Thank you again for the question.
I think the reality is that foreign financial institutions already have a presence in Canada. They form part of the market. But the elimination of withholding tax does take away one of the impediments to foreign financial institutions lending to Canada--supplying money for Canadian borrowers. We think that's a good thing, because it opens up the borrowing opportunities and reduces costs for Canadian borrowers. It will increase competition for Canadian financial institutions, but we don't think that's a bad thing. Indeed, the Canadian financial institutions support this change.