Mr. Brian Patterson:

In other words, what do I mean? We could have imposed additional, even more capital requirements than we did, although that would have run into some issues, like the anti-competitiveness issue and so on. But we could have imposed more stringent capital requirements; we could perhaps have gone at it through the consumer code, right, that it was inappropriate to be selling these 100% mortgages, certain classes of people; we could have attached conditions, conditions to banking licences, that they couldn't ... which effectively would've banned them.