I wonder if you could speak about the private sector. We're talking about the CIB like it's operating in this vacuum, like it's the only one that would hire lawyers to conduct a $600-million loan and be shocked that there would be costs coming from it.
I am wondering if you could explain, perhaps from the private sector experience that you've brought with you, how a bank would operate in a similar type of experience if loaning out hundreds of millions, if not billions, of dollars on the fly.