I guess my comment would be that I definitely don't want to give the impression that we have come into this appearance with our minds made up, at least for the banks. What we'd want to do is look at the details and look at where we can avoid duplicating or reinventing the wheel.
I totally understand the point about the requisite expertise needed, and there are maybe other ways to handle that, such as having those people at the Human Rights Commission versus a brand new commission. The devil is in the details. We as an industry, and I'm sure others around the table, would want to take a close look at what's being proposed and what the consequences, intended or otherwise, could be for employers and employees.