I will respond. There were a lot of comments there.
One of them was that everybody in 2017 should feel comfortable around making investments. We know; we've surveyed 13,000 Canadians, and the survey shows that 79% of Canadians don't feel confident in their financial future, so they're actually looking for help.
What we train our tellers and all of our employees to do when they see the opportunity for advice is to actually help customers and refer them to an expert. The customer doesn't have to go with that referral. The customer doesn't have to take the expert's advice, but we feel it's part of our duty to our customers to actually help them with their finances, to help them save time, save money, and make money.