Thank you very much.
I think I have one minute. This is to Ms. Dickson.
Ms. Dickson, I'm not sure that it's been explicit, but it's certainly been implicit that there's a certain tension between the Bank of Canada, which wants the banks to lend more, and OSFI, which focuses more on maintaining high capital ratios for the sake of prudence.
My question to you is whether, at this time of credit scarcity, there might not be such a thing as capital ratios that are too high. Do you see a tension or a conflict there, or competition, between, on the one hand, your desire to have very high capital ratios, and on the other hand, the desire to get the money out?