I'm happy to start.
Thank you for the question.
I think you're absolutely right; we haven't formulated detailed views on that. One of the principles I mentioned in my opening remarks was flexibility in terms of the types of operations and the size of the workforce. When people think of Canadian banks, they think of the big five with the biggest stakes, but we do have small bank members. Small bank members have subsidiaries that are not always run in the same way as the parent banks. I think looking at that type of flexibility is really valuable, as well as looking at models in other jurisdictions that adopt flexibility.