Thank you.
Mr. Sohmer, in your opening remarks, you talked about the demographics and some information about your typical client. As you've looked at them, you mentioned that they had an average age of 72, with an average offshore account of $3.7 million, or a median account of $1.2 million. The difference between male and female was pretty much the same.
One thing you didn't mention in your opening remarks, which is in your document, is that 51% of them were immigrants.
It seems, based on that number alone, that I guess a lot of new Canadians, people who have come to this country, could have perhaps opened their offshore accounts prior to coming to Canada in an effort to protect their wealth, maybe coming from a country that didn't have the same kind of assurances that we have here in Canada.
Would that be an accurate statement?