If I can interrupt, I do have one more question.
In reading the report, it seems to me that one of the conclusions, or the main conclusion I read, is that there are no systemic practices going on that are wrong, if I can use that type of term, in terms of sales practices, but that controls—or governance, which is a term I like to use—need to be strengthened.
I look at the report and say, okay, there are some good things happening because there aren't bad things happening, but at the same time, we need to be vigilant and to boost controls in respect to some sales practices, for example, with variable mortgage specialists, as they're called, who may just be compensated on a variable basis.
Is the way I'm looking at it correct? That's not for my own use, but is that what a reader of this report should discern?