Like other speakers did, there were issues identified overseas on the operations of banks. I think we've been called out by many institutions by the lack of regulations that we have in this area, so I do think it is timely that we move on to introduce some of these regulations. I don't think we need to be waiting for things to go catastrophically wrong to put in place regulations when overseas examples exist of banks going awry. I think the member Greg O'Connor touched on some of those examples. 