I'll start.
As we said in our opening remarks, we do see this as a journey, right? Also, I think that other stakeholders, not just the banking community or the private sector, see it as a journey.
There is a huge amount of innovation in the banking space, as there is in many other industries. It can often mean that we're not communicating, that the communication out to customers and clients might not always come perfectly in sync with the evolution of the products and services, but going back to my point a little earlier, I can tell you that customer service is the core of our business. The banks don't exist without customers, period. To the extent that persons with disabilities or persons who are able-bodied are challenged in finding information at a branch or on a website, I'd say that banks are there to help.