To answer your first question, I would say that two years seems to us to be a reasonable transition period.
I did not mention this in the introduction because some of you already know the Canadian Bankers Association. But we represent 60 banks from the 80 that are active in Canada. Of those, 40 provide services to individuals, which is what we are concerned with here. So there is competition and it is real.
So two years seems reasonable to us; it's a good start. However, the reality is not the same for all the members of our association. There are very large banks, the ones everyone knows, but then there are also smaller banks that have fewer resources.
That's how I would answer your first question.