I have a question for both Mr. Buell and Ms. Watson.
Mr. Buell, you talked about culture. We've heard in the media about employees who sign up people for services they don't really need, perhaps extra banking accounts, but those are minor fees, $3 here, $3 there, maybe $30.
What is the impact on the culture within an institution, in your opinion? What type of culture does that create in the long term? What risks are there for that culture and for Canadian society if people aren't really following these regulations and rules in a good way?