Mr. Speaker, I did not hear that direct comment in the media at the time. However, nothing here is invalidated, so I reject the premise of the hon. member's question. As I indicated in my speech, there are independent bodies that provide this advice.
We have consulted widely with Canadians as well as to what they want in this legislation, including all the credit unions and caisses populaires. Those independent factors and experts in the industry are available to us to refer to and to provide comment on this at any time.