As you can see, it's always a struggle to find balance on moving forward. I thank you for the issues that you've raised.
I want to start with Mr. Perrault from Scotiabank. We've heard from a lot of the service sectors in Canada about how good this would be, that it would result in a lot of professional interchanges, and so on.
A couple of things were brought up. You're already involved in 9 out of 12 TPP countries, which is good, so you're going to hit the ground running when we get this thing done.
The one thing that keeps coming up is the whole issue of TFW exchanges. The Royal Bank was famous for pushing the bar too far and got pulled back accordingly. I'm sure you've made use of intra-company exchanges as you move people around to set up new branches and work through that. Do you this facilitating that on the intra-company system?