I'll be very brief. I think what I say will be universally held by others.
From a bank's perspective, of course we have an obligation to our shareholders to operate in a responsible manner and to return to them as best a return on their investments as we can. As a corollary to that, one of the reasons none of us wants to be, and TD most certainly doesn't want to be, in a position to do anything that even comes close to the line is the reputational damage we could suffer as a result of any activities that would drag us down into the mud, so to speak. From TD's perspective and from a tax planning perspective, we have a very robust tax policy governance structure. It's on our social responsibility website, which outlines that very clearly. We have been very out-front with the OECD and have participated and continue to participate in activities there in the tax realm in particular. Knowing TD as I know TD and the members of the board as well as senior management, not one of them would want to see TD tagged with any type of reputational risk as a result of this.