Thank you, Chair, and thank you, Mr. Eglinski.
Thanks very much, Mr. Foster. As a former employee of TD, it's a pleasure to welcome you.
I'll roll my questions into one. We have the privilege of having you here as the chief information security officer of a major bank. Can you give us some insights into how your role is structured, what your responsibilities are and how you intersect with other major parts of the bank?
In the same breath, can you give us an appreciation of how much room there is for a major bank to be creative to develop its own security platforms? To what extent are you really constrained by the realities of the use of digital technology in limiting, first of all, the percentage of expense on security, but also the options that exist in terms of what you do to protect daily operations?