I'll give you one that's top of mind, because we discussed it at our executive meeting yesterday. It is, to what extent should we recapitalize some of our residential properties to be high-yield residential properties that will bring back revenues to the government, but at the cost of maybe turning those properties into something different from what the residents around them would like? It might change the fabric of a neighbourhood.
In our risk structure we would have eliminated any idea of this, based on our risk framework in previous times, whereas now we're looking at it and saying it is a risk in terms of public perception, but how can we manage it? Which groups do we need to meet? Which municipally elected officials should we meet to transform a certain area into a different kind of leasing operation? I think that's a good example of areas in which, if you're too risk-averse, you just will never change and you might not seek a better outcome.