Indeed, the issue of providing advice to Canadians generally has become a much more complex area, and the agency function I think has become much more complicated than it was before, but obviously, in our view, the industry is certainly up to that challenge. We are increasingly involved in the business of wealth management as opposed to the traditional life insurance business, so our business has very much changed over the years, and that is reflected in what our agents provide to our customers.
In terms of the proportion that is involved in the wealth management side, maybe I'll just turn to my colleague Mr. Witol. Is there a percentage of the industry that's involved in wealth management?