Thank you.
Thank you for the work you are doing to facilitate the long-term work before us.
We all know that Canada has a very strong financial system that is the envy of the whole world. It is thanks to people like yourself, and to other institutions not represented here today, that we have this kind of a system.
I have a few questions. If there is a lesson we have learned from the financial crisis, it's that the notion of systemic risk goes beyond the banking sector, correct?