Thank you.
I think one of the important tasks for this committee is going to be to try to make some recommendations to government about what it did that it perhaps should not have done, or how, if it does similar things in the future, it could do them better. I'm just wondering. As you have said many times, banks are customer-based organizations. This clearly was something that had an impact on some customers. I'm wondering if you have any recommendations that you want to offer to the committee for its consideration about what kind of supplementary direction government might provide or what else it might seek to include in a similar order, in order to have a better process in the event that something like this happens again.