Mr. Marshall, you touched on this idea of innovation and how maybe one of the differences is not always trying to be innovative. I don't know if you're familiar with
the Caisses Desjardins,
which is one of these incredible credit cooperatives in Quebec, and really across Canada now. It's quite innovative in a lot of the financial-based products that it offers to its clientele.
What I find interesting is that we think the major driver of innovation is necessarily competition. Do you have some thoughts on that?