I'd really like to answer number three.
When you think of agriculture biotechnology and clean technology, that's actually pretty exciting when you look at what the opportunity is. For the Royal Bank, we're actually developing a strategy on how we can get ahead of our competition in meeting the needs of companies or individuals who are in that space.
I also think when you put together the topic, being young farmers, the bright light, I think, in the agriculture and agrifood industry is agriculture biotechnology, and some non-traditional uses for agricultural products.
To answer your question, yes, we see it as very much an opportunity, a growth opportunity, for the industry and then also for our portfolio.