Thank you, Mr. Chair.
Mr. McPhedran, you almost got away from me, but I have one question for you, and then Mr. Grewal's going to ask a question.
You mentioned in your testimony that your employees would develop a financial strategy. However, we know and we've heard testimony to the effect that there's a big difference sometimes in terms and in languages. For example, an advisor spelled with an “o” and an adviser spelled with an “e” have very different requirements. When employees at Scotiabank are developing a financial strategy, you've said that the client's satisfaction is number one, but when we know that practices are happening with advisors with an “o” and advisers with an “e”, how do you ensure that it's actually in the best interests of the client and not, even if it's not a sales target, in the interests of whatever product Scotiabank wants to sell at the time?