Thank you.
I have a further question for Mr. Roy, actually. I'm not going to say that you're all here for a biased reason, but as a lender, you're here, obviously, for a different purpose in terms of expanding in the market. One of the things you commented on in your remarks is that the market would promote greater housing accessibility at more competitive costs. Could you expand on that a little bit in terms of...?
I know that Ms. Wasylycia-Leis spoke about the fact that a number of citizens may be served already. I would assume that as a lender--an unbiased lender--you're here today to speak to what is good for the folks who come in to your bank and do business with you.