There you go.
I'll go to Ms. Oliver next.
I'm very encouraged. You spoke about the fees and your goal with Wealthsimple to reduce banking fees. I ran a business for over 40 years before I came to Parliament Hill. Banking fees annoyed me very much while running that business, especially for the simple things, which you addressed in your opening remarks.
Can you give me your opinion on the presence of more options? We all hear that competition is good. Is it going to make—I won't name anyone—the big five more responsible in their fee charging?