I think a large part of your question is about how goals are set. I think it's important for the committee to know that our goals are set in a balanced approach. For us that means that our front-line tellers don't have sales targets, that our advisers are targeted with customer experience as the foremost element of their scorecard. There's balance with the ongoing approach they have with customers, the number of customers they're meeting. The number of financial plans that they're doing sales are an element.
The other is that each of our scorecards has both a what and a how metric; what was done and how. That's where things like compliance and adherence to the code come in.
When we're talking about goals or targets, this notion of balance is very important to us.