Regrettably, we at the Department of Finance do these projections. What can I say?
Like for a lot of large financial institutions in North America, results for both the 2021 and the 2022 years far exceeded any projections. Largely, it's just a flow-through of much higher than expected economic activity and much lower than expected business writedowns of activity. Where we thought we would have to do loan provisions and certain provisions against outstanding credit, those never materialized. At the same time, Crown financial institutions' credit and underwriting revenues were through the roof. It was a combination of those factors that led to the result.