Welcome to all of our panel members.
Ms. Mandal, you were saying that within the banking industry you've achieved 50.5% of women at the lowest ranks, 50.4% in the middle ranks, and about 34.5% in the senior ranks. This sounds like gender parity for the middle and the bottom as well as a pretty good improvement in senior management. You've done it nationally, and this interests me because we were thinking about legislation in various areas. Not all provinces are legislated, yet you've been able to achieve it.
I'm wondering if you could comment on the elements that you think helped you to close the gap in the absence of legislation.