First of all, education is going to be massive. If you look at all the people with disabilities who are participating in the workforce today, only 7% are working for large corporations, 93% are working for small to medium-sized businesses, and there are significant reasons for that.
If you look at a bank, for example, a Canadian bank can have 100,000-plus employees. The CEO and the senior executive, they do get it. They don't always get it for the right reason, but they do get it, because it comes back on them from a society point of view. The bank manager on the street corner, he gets it, because people with disabilities are using his bank, so he hires people who have disabilities, somebody who may be deaf or somebody who is in a wheelchair. But there are 96,000 employees in the middle and they are the people I call the permafrost because they are the ones who are very hard to change. Education is going to be key.
Like Ken says, if you are a small-business owner like me, I make all the decisions. I can make a decision today and have everything changed tomorrow, whereas BMO and TD, they make a decision today, and it's like turning the Titanic around. It's three years before they even get started.