In our estimation, most of the regulatory requirements in this country are because the financial services industry is dominated by the big companies. It's really designed for their needs.
For instance, we run this small bank, as you've said. The new CDIC—I forget what they call it exactly—fast-tracks deposit arrangements, which are designed to allow CDIC to take quick control of an organization that's in trouble. They're quite substantial for a small organization like ours to put in place.
We have met their requirements—we used some chewing gum and baling wire to do it—and we're in full compliance, but it was a significant effort.
We think it's a bit like trying to kill a fly with a sledgehammer. The requirements were really designed for a large organization.