Thank you, Mr. Chair.
My last questions are for Mr. Stewart.
Bank transparency has been a hot topic. Some are calling for the banks to report on their oil and gas investments, if not publicly, at least to the Office of the Superintendent of Financial Institutions, or OSFI. That call has obviously gotten stronger following media reports that RBC is one of the sector's biggest financiers. It's worth mentioning that those data on RBC and other banks had to be obtained from secondary, indirect and other such sources.
My question is threefold, and you will have about a minute and a half to answer. Is the criticism that banks are not transparent warranted? What role could OSFI play in making them more transparent? Is the voluntary approach a credible way to achieve transparency?