I can tell you that from the account opening process and from the regulatory requirements that are embedded in this in Canada, we push that throughout the world. Now, in terms of credit or other types of policies, there may be differences, depending upon where that occurs. I can't speak to that. I would doubt it, because we also have a central risk process throughout the bank. From TD's perspective, we try to be as uniform as we can throughout the world.
On March 21st, 2013. See this statement in context.