Thank you.
It's clear that the areas of focus for the bank are very much aligned with the area of vulnerability and also opportunity that we saw during the pandemic as it related to small businesses and where it would allow us to grow, such as with Black entrepreneurs, women-led organizations and indigenous organizations.
Now, with about 40 seconds to go, I want to talk about the structure. Was there any recommendation around the existing skill set, any gaps within BDC that this transformation needs to address to ensure that the market you talked about—1.2 million small businesses—could be served better?