Mr. Patrick Neary:

No, I ... I wouldn't think that's true at all, Senator. It was a resource matter, the complication we had to live with because the similar complications that, in fairness, would have arisen on the other side of the house, if I want to call the consumer side the other side of the house, for the purposes of this discussion, it would have arisen there as well. But they had a more straightforward, if you like, codified regime of requirements where it had to be constructed in the prudential side.