With respect to CDIC, I'll keep it simple. Some further streamlining of back-office operations may be possible. We looked at that a bit. A new chair will be appointed to the board of CDIC. It's been proposed. One of the things the new chair and I will sit down to look at very quickly, assuming he is appointed, is how we can move that forward. I don't think it's $20 million or $30 million or $40 million, but it may be mature old economies we should be trying to get at, things like IT and—
