The structure of the Canadian banking sector, actually, as I noted in my opening remarks, has more large banks in its geography than what you'll see in most of Europe likewise.
You can look at who Canadian banks compete with, in addition to competing vigorously with each other. There are, as I said, 40 in the marketplace that provide individual products and services. They compete very vigorously and get very vigorous competition from other deposit-taking institutions, from credit unions, the caisses populaires, and trust companies all across the country. It's a highly competitive market, with a lot of players.