We have a variety of internal programs in place, as we've already talked about, to ensure the integrity of the advice we provide. We also have a variety of ways in which we are working hard to increase literacy among our customer base, as was previously said.
You specifically asked about regulators. We are working very closely with OSFI and the FCAC on their request. We believe—and we do fully comply with the regulatory requirements—that they are accountable to you, the Canadian government, not to us.