Thank you.
I'd like to pursue that, but I'm running out of time and we have a tyrant for a chairman.
To Toronto Financial Services, I agree with your P3s. I just wish you'd see more of them. I'm assuming you want a single securities regulator sooner rather than later.
Interestingly, David Dodge, not the last time he appeared but the time before that, said that the financial services sector is one of the lower sectors in terms of productivity, that it's not very good in productivity. Given that a good part of your statement has to do with improving productivity, do you have any observations to make with respect to the governor's statement?