The issue I have with this, which I brought up in the first round of testimony too, is that if you put a guy such as me in as a teller in my neck of the woods, my sales target would be through the roof just because of my ability to interact with people from my community, my ability to speak in their native tongue, and my ability to convince them of what they do not need.
In my experience, when I go to branches, especially in new communities where they have a high population of immigrants or small business owners who might be very successful in the business they know in terms of construction, landscaping, or trucking, but aren't very savvy when it comes to what to do with their money, that's where we're having a big issue, at a branch level, in terms of the CSR, or the teller, or the client adviser.
I go back to you, Kirk, to RBC. When you say “client adviser”, is that the regulated adviser or the unregulated advisor, the difference between the “o” and the “e”?