Look, innovation that creates more opportunities for consumers, I'm...yes, I think that would be a good thing. I think one has to be careful about innovation. We have to make sure these are innovations that are robust and that will.... You know, we saw a lot of innovation in the mortgage market in the United States in 2004-05-06, and it ended very badly. Fortunately, in Canada we were not as innovative. We did have some of that going on in Canada, but it was much smaller.
