I want to be clear on this. Adherence to our code of conduct is non-negotiable. This is understood in our organization. Our employees similarly take courses with respect to the code every year. We have six tenets in our code of conduct.
One of these demands that our employees conduct themselves honestly and with integrity. This means that as Scotiabankers we do not compromise our ethics for the sake of meeting our sales, profit, or other targets or goals. It is very clear.