I'll begin.
It's important for you to know that we believe in strong regulation, and regardless of who the regulator is that we're working with, that's something we take very seriously. We think the best thing we can do is to have our house in order in a way that abides by that regulation, such that as the oversight occurs, it's reconfirming as opposed to anything else.
I would say that the FCAC and OSFI are doing a very thorough review right now, and we welcome that review. The findings will come, and I think we'll be able to act on those findings.