One thing I would point to—it's been alluded to through the discussion today—is the regular five-year review of the financial institution statutes. It's quite unique. We've never come across any other jurisdiction in the world that has this kind of mechanism that forces a regular look at the statutes and the regulatory framework to ensure that it remains current. A sunset is something that certainly motivates everyone to act before the date comes up, and it certainly forces the regulatory agencies and ourselves and the private sector, as well as consumer groups and other stakeholders, to have a dialogue on a regular basis, to talk about the issues, to talk about the problems that different stakeholders may have had identified over time, and to address them on a regular basis, to not let issues fester for a long period of time. And I know that we're the envy of the world in many respects. There are a lot of international colleagues who we talk to who only wish they could have this kind of system to regularly look at their framework.
On February 17th, 2011. See this statement in context.