Thank you, Mr. Chair, and thank you gentlemen for being here with us today.
A lot of the questions are very much focused on the macro level of your code of conduct, what's in the bank's culture. Let's go for a second to the micro level, which is a customer walking into a bank.
I'd like to hear from all three of you. If a customer walks into the bank, and let's say he has modest savings of about $10,000 to $15,000—that's actually a substantial amount. Would a teller at each of your institutions, when looking at his balance, be asking the customer the question, “Have you thought of investing your money?” It's a yes-or-no question.