Mr. Chairman, we have seen, I think, the democratization of financial advice and financial planning, of which tax planning is a legitimate part. I think the financial sector in Canada provides a wide range of services to Canadians to enable them to save efficiently, to have access to credit in an efficient manner, and to make the right decisions, all of which comply with the law in Canada and in other jurisdictions. So in terms of what is the difference between tax evasion and tax planning, again, we do not support tax evasion, but we do help our customers make sure they make good and efficient decisions.
