Certainly, thank you.
On cost, it's difficult for me to speak on behalf of other financial institutions. I can say that we believe it is important given the overall risks that we'll see in the long term, as we think of the long-term sustainability of a financial institution. We've also been working on it for many years. We've had these costs over time. If someone is coming in new to it, that will be a different piece of work that they will need to think about, and they will need to resource that accordingly. I can't speak to where they are in that work, but for us, we think it's important.
Secondly.... I'm sorry. Your second question was—