Scotiabank has a huge program. They split off a piece of Scotiabank that doesn't follow the same governance as the bank. They call it their Digital Factory. The reason was that they were getting competition from Tangerine. I think they ended up buying Tangerine, but these online banking things were a big scare for them. So was Bitcoin. That was a huge scare for them. Bitcoin is a point-to-point “we do the transaction, I don't need the bank” company. The stuff is coming so fast, it's extremely difficult to keep up with it. The banks are all moving....
The VP at Scotiabank is coming to the Shaw Centre tomorrow to talk, not about agile per se but about why they split off and did separate governance. We basically said to him, look, we don't want you to come and talk about agile, we want you to talk about why you have a separate governance for this and why you couldn't operate this within the bank.