Perfect. Thank you, Annie. I'd be happy to take that question.
I must say it's a bit of a peculiar way to look at things to say that complexity, if I'm understanding you correctly, is making a case for being less disciplined and less rigorous about the way to spend Canadian taxpayers' money. Not a day goes by, not a meeting we have, not a paper we write...none of that gets done without the very acute responsibility we have that we're investing taxpayer money.
If you take the REM investment of almost $1.3 billion, in Montreal, that was originally thought to be structured potentially as a grant, and in the very early days of the CIB, before any of us were there, they structured it as a loan. Look, we can talk about that for a very long time. At the end of the day, as a result of that intervention and as a result of the CIB's participation, taxpayers are now getting back $1.3 billion, where they wouldn't have before. If—