Thank you.
There are several things that we continue to improve upon, because certainly we're constantly learning.
The first is actually creating more feedback mechanisms to enable us to hear from members as to what is working and what is not. That's typically how we have innovated in the past.
We continue to put pilot programs out and look to collaborate. How can we work with provincial governments, municipal governments, other groups and also a small business owner to think about how there are many different pockets of programs and money? How can those come together to make us think differently about the lending that we do? That's also about innovating. Many would not call it innovation, but by thinking differently, which is innovation, around risk and what that looks like and what the time frames are, we can, perhaps, price differently if that's what the risk indicators demonstrate.
We are also trying as much as we can to bring in different voices. Traditionally, there have been more male voices, for example, in capital allocation, broadly. We're trying to ensure that we look across our organization, from a gender perspective, for more broad diversity, and that we have that at all levels of the organization.