Okay. I appreciate that.
Just as a comment, I think one of the things is that when people see this clause, I don't think there's a lot of knowledge, perhaps, by Canadians of the number of acquisitions that have gone on. For instance, you mentioned the John Hancock acquisition. I'm not sure how many Canadians are aware that Manulife owns John Hancock, or that TD actually now has more branches in the U.S. than in Canada.