Let me maybe add just two points to what Daniel has said. The amalgamation effort is continuing. It's not a finite thing. It continues with deeper integration, depending on the needs of our various branches.
The second point, too, is that we're not the only country in the world that's done that. We check with some of our friends in the Nordic countries, just to see how their own amalgamation effort is going. The Netherlands has done this. Australia has also done the same thing.