I think it's prudent, especially in this day and age. What I'm sensing from my travels and from discussions I've had is that agencies want better protection, but more importantly, Canadians expect that, when they are going to be doing business with an entity, they will actually have the right tools and expertise to move forward.
I think we're going down that path, but I think if it is their choice, each institution will have to make their own choice on that.
Greta.