Thank you for the question. Trust is the cornerstone of what we do in banking, as you know, and it's why we enjoy a very special relationship with our customers. It is entirely based on trust.
To respond to the question, we are going through a very comprehensive review with FCAC and OSFI. Within our BMO company, we take very seriously the idea of having different risk management capabilities. Of course we have measures that we've discussed within the teams that I'm responsible for. We also have a separate risk management team to make sure that we have appropriate governance. Finally, we have appropriate audit capability within the bank. However, the review that we're doing will be broad and comprehensive, and I suspect that we'll have recommendations that come from that.