Our resiliency in Canada, particularly with the financial institutions, is quite strong on a global scale.
To your question about Canadian consumers, I would agree. I think public education is immensely important. Certainly this time of year, with the level of CRA scams that come out, from both phone calls and emails that people receive—and I'm sure all of you are well versed in that—Canadians do get pulled into those scams. They don't have enough education or awareness to understand when they should hang up the phone or delete the email, and also to up the system security on their home computers, and how important that is.