Mr. Perrault, financial services have a great deal of success here domestically, but also internationally, especially since the meltdown in 2008. We're seen as a very stable and secure place to invest and do business.
When you take that to the Caribbean, South American countries, and Pacific Alliance countries, you mentioned they are an underbanked region. What is Scotiabank's competitive advantage in that region? Why have you grown so much in that region?