I would just reiterate some of the points I made earlier. If we bring in rules that will shift that, that's the only way it's really going to shift.
We also have a cultural issue in Canada. The CIBC CEO likes to say that oil is the “family business” in Canada, and Canadian banks are really tightly aligned with our oil industry because it's a major export industry, and that also makes us uniquely vulnerable to the energy transition.
I'll stop there.