Thank you.
This is a very unusual opportunity wherein I think all parties are indicating a pride in our financial system and the strength of our banking system. We're making comparisons, of course. Unlike the U.S. or Europe, we didn't have to nationalize or bail out the banks. It's good to see that there are areas we agree on and are very proud of together as Canadians.
In terms of today's legislation, the piece behind which I would really like to understand the rationale is that we're increasing the “large bank” owner threshold. Can you explain why it's being increased and what impact this increase in the ownership threshold will have on the broader oversight of financial institutions?