Yes. In terms of the FCAC, I think they're treating all the banks exactly the same way, so there's consistency. Rather than repeat my competitor's words, I'll tell you that the exact same process is going on at TD.
In terms of head office and branch banking, in all channels we are reviewing all of them. We have systems, and processes, and support in place to make sure that we don't have sales practice issues. Similarly, we would have data analytics. We gather data around outliers if we see anything that looks out of the norm in terms of data patterns, whether for individuals or geographies. We have a procedure whereby we investigate that. Clearly, if there we see any wrongdoing, we then take action accordingly.