Thank you.
Thank you, Mr. O'Connell. Your testimony has been very clear and very helpful today. Thank you for it.
Generally, competing with yourself doesn't work, and you have built into your structure inherent conflicts. It's very difficult to see how this is actually going to be resolved. You have on your board the Bank of Montreal with an interest in MasterCard and TD with an interest in Visa, etc. I can't even imagine all the other conflicts.
So you want to move out of that conflict. You acknowledge conflict and you want to move to get a change to the consent order. What I don't understand is, as long as those conflicts exist, how can you actually ask for a change in the consent order? If the board itself, even moving to a kind of non-interest board model, still has these inherent conflicts. Aren't you simply the financial version of a dead man walking?