Thank you.
I think we could all agree that this bill does useful things, but I don't think it could be described as bold and visionary for the 21st century. So far as I know, there is a fair degree of consensus on this bill.
Mine is a bit of a hypothetical question, and it's to Mr. Campbell. What have other countries been doing to make themselves more internationally competitive? And if you were to rewrite this bill or if it were to come back in a year--it won't, but if it were to--what would you do to make it better? Not about insurance; we know what you think about that, but at the international level, what have other countries been doing and what might we learn from that in terms of making our own banks more competitive internationally?