I would echo Ms. Mandal's comments about the need for harmonization. Making sure that the Canadian public, our employees and our clients have a consistent experience no matter which RBC door they come through, whether it's a provincially regulated subsidiary or the federally regulated bank, is very important to us. It's important to take the time as we go through this to make sure that the experience remains consistent.
This is very much a journey, as both Ms. Waley and Ms. Mandal have mentioned. The world evolves and things change. The goal you're working toward today might shift a little bit with some new, innovative technology that makes more things possible. It's important to have the flexibility to move forward in a way that takes that harmonized approach and also takes advantage of innovation as it happens.