I'll do my best to be brief and concise, Mr. Chair.
Mr. Boyce, I caught a comment that you made just at the end, in terms of “risk-based”, and you associated that with customers. It was right at the end. I don't know whether you were using written words to speak from, or whether they were off the top of your head. If they were off the top of your head, I apologize, but the comment did catch my attention. I just wondered if you could clarify that.