We don't ask our front lines to upsell, but we do ask them to seek advice opportunities. You asked for an example. I can give you an example where often a customer will come into our branch and say to a teller, “I find it really hard to save. I just can't seem to save.”
There's a couple of products out there. One of them is called “Simply save” whereby a teller can quickly enrol the customer into a product whereby every time they use their debit card, they actually save a small amount of money that will go to a savings account. Or there's a pre-authorized approach where they may say, “Put $10 or $20 a week, whatever, into a savings account.”
Those are some examples of the advice-based conversations that we look for people to have, for the customer's good.