I understand.
You also asked about foreign branches and subsidy. My comment was that the bill adequately and appropriately addresses the difference between the Canadian branch in another country, which is a Canadian entity—as you heard Mr. Bernier say, it's an extension of the legal entity—versus a foreign subsidiary, which is creature of foreign law. It's appropriate to apply a standard, and in our work we do this all the time. We look at offshore operations of our banks and apply standards. We don't necessarily expect Canadian laws to apply, so we apply what we consider to be safe and sound standards of behaviour.