I would just add that I think provision in particular codifies what the banks are already doing, but helps bring a level playing field to other reporting entity sectors across the regime that may not have adopted the same compliance approach. The technical amendments that we're looking for are just to provide some assurity and transparency to the criteria which we'll be measured against in terms of bringing that compliance program that is risk-based and effective to bear.
Right now, the way it's written is still very subjective. We would just like a little bit more clarity and criteria around what is going to be that test of what's effective. As it's drafted right now, that's a little bit ambiguous to us.