My questions are all to you, Mr. Siddall, and to your chair if he wants to answer.
In your 2018 corporate plan, you reduced your reserve from 220% in 2016 to 165% from 2017 to 2022. On page 14 of the special examination report, the Auditor General's office said that they “noted that the Corporation not quantify how much internal capital it should set aside in case reputational and strategic risks were realized.”
How did you make the determination, then, to go from 220% to 165%, if the AG's office said that in your controls internally you had a weakness to determine your capital management needs?