As was referenced earlier, we stepped up the level of monitoring and controls that we have had in place over the last several years, in particular over the last year or two. We are learning through this process as well. We do believe in listening to our clients and listening to our employees and putting the practices in place that allow us to deliver the kind of advice and experience that our customers want and need, with the types of tools and programs that will allow our employees to not only be engaged but also be enabled to make a difference in our clients' lives. We do continue to step up our programs and our monitoring to listen, to learn, and to change. We are changing our performance programs. We are building new tools directly for our customers, digital tools that our employees will use to make the advice even more consistent and more transparent for our customers.
So there clearly are actions that we're taking, and we will work very closely with the FCAC and OSFI on this review. We'll work with them to implement the outcomes as well.