Thank you, Mr. Chair.
Thank you all for being here.
I have some specific questions to your testimony, so it might not be all three on one question.
I'm going to start with Mr. Wambolt along the line that you just mentioned in terms of monitoring.
With all due respect, you're a senior vice-president, do you really think that when you're standing behind the tellers they're not going to act maybe a little bit differently when you're there than when you're not there? With that being the case, have you ever done any monitoring with mystery-type shoppers?