Okay, thank you.
It's more that I feel that Canada has undertaken a number of studies and actually nothing has changed. I guess it's the hope that this committee might be different and it might take the job to task more comprehensively, and perhaps listen to fewer professors. No disrespect to professors, but we seem to listen to a lot of professors and to nobody who has ever actually worked in a bank. I am happy to see that you have different types of people as witnesses, and I think obviously this will create some change.