Part of the modernization program is the response to the change in business continuity issues. I would say that part of what we are doing today, obviously, is imagining a different future with better systems and newer systems.
Last year when we were dealing with CERB and the requirements, the system was unable to accommodate a lot of change very quickly, and we were quite nervous about the volume of transactions that would take place. That's why a decision was made to split it.