First of all, thank you very much.
Thank you, Mr. Buell, for participating over the phone.
I would like to explore that aspect of things, but not the vivid imagery, Mr. Elford. All of your testimony comes back to the notion that there is a lot of internal pressure to achieve certain sales targets at the risk of poor job evaluations or, in several cases, actual termination of employment.
I want to back this up now to another aspect. What is the effect of that pressure on you, either on the investment side or the teller's side? What is the effect on how you treat your customers? In other words, how do you achieve those targets through your customers? Do your customers understand what products they're buying or engaging with? Do they have informed consent or are there efforts to just get to that sale?