I have just a quick one, or more of a comment, to OSFI specifically. I'm very happy with the work that's been done with regard to B-20 and the superintendent's speech. Going back to the comment of my colleague Mr. Grewal about employment verification and collateral, OSFI took a regional approach to putting that out. It wasn't a broad-based approach. It was a regional approach in terms of the capital requirements and so forth. I read through the papers. I do want to applaud them, not that the other institutions have done anything different, but on that level, I was actually happy to see that, because I think if there is an issue, it may come from that side in terms of employment verification, income verification, and collateral verification.
On January 30th, 2017. See this statement in context.